UniTerm vs Smart Data
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
UniTerm
This software facilitates secure EMV chip and PIN card transactions by integrating with a payment server. It provides a simple interface for point-of-sale applications to manage the transaction process and securely handle sensitive card data, keeping POS software out of PCI validation scope.
- EMV certified
- PA-DSS validated
- Secure transaction management
- Simple application interface
- Handles sensitive card data
- PCI PA-DSS out-of-scope
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UniTerm® is a small, sophisticated, EMV certified and PA-DSS validated software application that facilitates software integrations for performing EMV (chip and pin) card transactions with the Monetra® payment server software. UniTerm® provides a simple application interface and securely manages the EMV transaction process. The POS application software simply sends a transaction request to the UniTerm component. UniTerm then interacts with the terminal and the Monetra server software as required to perform the requested transaction, and returns the results to the POS app. UniTerm® is designed to securely handle all sensitive card data, keeping POS application software “out-of-scope” for PCI PA-DSS validation requirements. https://www.monetra.com/ https://www.monetra.com/emv https://www.monetra.com/uniterm
Smart Data
Streamline your business expense reporting on the go. Capture receipts with your phone, add justifications, and manage costs from anywhere. This app is a component of your bank's commercial card program.
- Review posted corporate Mastercard expenses
- Add receipts using phone camera
- Add business justification and allocate costs
- Group and manage multiple expenses
- Approve expenses and groups
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Capture expense details more effectively with enhanced Business Justification controls, helping improve data accuracy and streamline expense processing.
Screenshots
Verdict
The clearest difference is review sentiment: UniTerm at 67% against Smart Data's 24%. UniTerm also leads on iOS requirement (11.0 vs 17.0). Smart Data's advantage is rating (4.4 vs 4.0) and ratings volume (729 vs 3). On price, update cadence, ads and in-app purchases there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Smart Data holds the better App Store score, 4.4 against 4.0. That said, the two scores are not equally well evidenced: Smart Data has 729 ratings behind it against 3, so its average is the more settled of the two. Written reviews complicate that: 67% of UniTerm's written reviews are positive against 24% of Smart Data's, so the app with the better star average is not the one people write more warmly about.
Both ship on a similar rhythm, roughly monthly. The most recent releases landed on October 6, 2026 and October 16, 2026 respectively.
| Parameter | UniTerm | Smart Data |
|---|---|---|
| Price | Free | Free |
| Rating | 4.0 (3 ratings) | 4.4 (729 ratings) — better |
| Positive reviews | 66.7% of reviews — better | 23.5% of reviews |
| Number of ratings | 3 | 729 — better |
| Update frequency | Monthly | Monthly |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPad |
| Requires iOS | 11.0 — better | 17.0 |
| Further details — not scored | ||
| Size | 16 MB | 63 MB |
| Age rating | 4+ | 4+ |
| Developer | Monetra Technologies LLC | Mastercard International Incorporated |
Customer experience
UniTerm
Smart Data
Bugs and requests
UniTerm
Not enough reviews yet to summarise bugs or requests.
Smart Data
Reported bugs
6 issues- Login issues
- Uploading receipts issues
- App crashes during receipt import
- Constant error messages
- Submitted expenses cannot be edited
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- Submitting receipts fails frequently
Requested features
8 requests- Biometric login (Face ID/fingerprint)
- Update required notification
- Storage for pending charge receipts
- Ability to recognize recurring charges
- Autofill password functionality
Show 3 moreShow fewer
- Ability to take receipt picture from app
- See billing session total/balance
- Sync submitted receipts with pictures
In-app purchases
UniTerm
No in-app purchases
Smart Data
No in-app purchases
Questions
Is UniTerm free?
Is Smart Data free?
Which has better reviews, UniTerm or Smart Data?
Do UniTerm or Smart Data have ads?
Which is updated more often, UniTerm or Smart Data?
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