Richart Life vs Pay4U 幫你付
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Richart Life
This app integrates various financial and lifestyle services, including credit card management, loyalty point redemption, and mobile payments. It aims to provide a comprehensive and convenient platform for managing daily financial activities and accessing exclusive offers.
- Integrated lifestyle services
- Mobile payment support
- Loyalty point redemption
- Credit card management
- Real-time transaction notifications
- Coupon access
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我們持續優化各項服務的使用介面，除了既有的信用卡相關服務，新增生活圈服務串聯、台新Point點數查兌、台新PAY行動支付等服務，將生活再升級！/立刻下載台新Richart Life，體驗台新銀行生活金融生態圈。 Richart Life特色說明： 1.生活金融無界限 串聯生活圈中的各項優惠、點數查兌、行動支付等多項功能，一手掌握個人日常服務，提供全方位的便利生活！ 2.支援台新PAY支付功能 台新信用卡/簽帳金融卡就能一鍵輕鬆綁定，購物不再需要掏出錢包，使用手機輕鬆結帳! 3.點數隨手兌 台新Point/台新Point(信用卡)想換就換，屬於你的好康，就是不讓你錯過。 4.信用卡相關服務 信用卡查帳超方便，另可進行繳費/分期理財等服務。 5.消費通知最即時 刷卡不限金額筆筆通知，確保交易安全。 6.優惠券好康 刷卡優惠隨時查，領券即享優惠，好康不錯過。 如您於本行尚未留存Email或留存Email格式有誤，請撥打台新客服更新02)2655-3355。 為保障您的使用安全，建議您應於行動裝置上安裝防毒軟體，以偵測行動裝置是否有疑似遭破解或重大漏洞未修復等情形
Pay4U 幫你付
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後支付時代來臨，全新無卡分期品牌Pay4U上線啦！ 沒有信用卡也能分期付款，讓您輕鬆購物無負擔！ 即刻下載Pay4U，安心購物，我們Pay for You！ 【Pay4U貼心服務】 √ 申辦超迅速 手機即可完成帳號註冊及分期申請，流程便利又迅速！ √ 消費超簡單 掃描店家條碼填寫資料即可進行消費，操作直覺又簡單！ √ 繳款超即時 提供超商繳款、ATM/網銀轉帳等多元付款方式，繳款方便又即時！ √ 帳單超清晰 人性化查詢交易紀錄及繳款明細，帳單智慧又清晰！
Screenshots
Verdict
The clearest difference is ads: Pay4U 幫你付 at none against Richart Life's shown. Richart Life's advantage is update cadence (every 4 weeks vs every 4 months). On price, in-app purchases, device support and iOS requirement 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.
Richart Life ships an update every 4 weeks, Pay4U 幫你付 every 4 months. The most recent releases landed on August 21, 2026 and September 25, 2026 respectively.
| Parameter | Richart Life | Pay4U 幫你付 |
|---|---|---|
| Price | Free | Free |
| Rating | 1.9 (20 ratings) — better | — |
| Positive reviews | 17.1% of reviews | — |
| Number of ratings | 20 — better | — |
| Update frequency | Every 4 weeks — better | Every 4 months |
| Ads | Yes | No — better |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | — |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 13.0 — better | 14.0 |
| Further details — not scored | ||
| Size | 251 MB | 21 MB |
| Age rating | 4+ | 4+ |
| Developer | Taishin International Bank Co.,Ltd. | HOTAI FINANCE CO., LTD. |
In-app purchases
Richart Life
No in-app purchases
Pay4U 幫你付
No in-app purchases
