# U!Pay vs Arca Link

U!Pay and Arca Link are too close to call on the numbers: across 6 compared parameters — price, update cadence, ads and in-app purchases among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

U!Pay ships an update monthly, Arca Link every 6 weeks. The most recent releases landed on September 18, 2026 and September 15, 2026 respectively.

## The numbers

| Metric | U!Pay | Arca Link |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.2 (22 ratings)](https://appshunter.io/ios/app/upay/id1165358976/reviews)** | — |
| Number of ratings | **22** | — |
| Positive reviews | 21.4% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Monthly** | Every 6 weeks |
| Monetization | Free | — |
| Size | 150 MB | 10 MB |
| Requires iOS | 13.0 | 13.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Ucom LLC](https://appshunter.io/developer/547203748) | [Armenian Card CJSC](https://appshunter.io/developer/1459256365) |

## What reviewers say

### U!Pay

[App page](https://appshunter.io/ios/app/upay/id1165358976)

This e-wallet simplifies payments and money transfers directly from your smartphone. It features a new, user-friendly design with an expanded service list and a high level of security for convenient transactions.

**Highlights:** Instant payments, Money transfers, Money withdrawal, User-friendly design, High security, PIN transaction approval

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### Arca Link

[App page](https://appshunter.io/ios/app/arca-link/id6741765205)

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is U!Pay free?

U!Pay is free to download, with no in-app purchases.

### Is Arca Link free?

Arca Link is free to download, with no in-app purchases.

### Do U!Pay or Arca Link have ads?

Neither U!Pay nor Arca Link shows ads.

### Which is updated more often, U!Pay or Arca Link?

U!Pay ships an update monthly, and Arca Link every 6 weeks. Most recently, U!Pay was updated on September 18, 2026 and Arca Link on September 15, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*