# IME Pay vs Sahara Smart

The clearest difference is review sentiment: IME Pay at 46% against Sahara Smart's 0%. IME Pay also leads on update cadence (every 3 weeks vs every 7 months) and ratings volume (112 vs 2). On price, ads, in-app purchases and monetization model there is nothing between them.

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

IME Pay holds the better App Store score, 3.8 against 3.5. That said, the two scores are not equally well evidenced: IME Pay has 112 ratings behind it against 2, so its average is the more settled of the two. Written reviews point the same way: 46% of IME Pay's written reviews are positive against 0% of Sahara Smart's.

IME Pay ships an update every 3 weeks, Sahara Smart every 7 months. The most recent releases landed on November 2, 2026 and November 3, 2026 respectively.

## The numbers

| Metric | IME Pay | Sahara Smart |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.8 (112 ratings)](https://appshunter.io/ios/app/ime-pay/id1241888344/reviews)** | [3.5 (2 ratings)](https://appshunter.io/ios/app/sahara-smart/id1499760846/reviews) |
| Number of ratings | **112** | 2 |
| Positive reviews | **46.4% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Every 7 months |
| Monetization | Free | Free |
| Size | 324 MB | 68 MB |
| Requires iOS | 13.0 | **12.4** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [IME Khalti Limited](https://appshunter.io/developer/1241888343) | [Sahara Nepal Saving and Credit Co-operative Society Ltd.](https://appshunter.io/developer/1499760575) |

## What reviewers say

### IME Pay

[App page](https://appshunter.io/ios/app/ime-pay/id1241888344)

This digital wallet simplifies daily life in Nepal by enabling quick, hassle-free online payments for various services. Transfer money, pay bills, and make purchases instantly with a few taps. It offers a secure and convenient way to manage cash transactions digitally.

**Highlights:** Wallet to wallet money transfer, Utility bill payments, Merchant QR code payments, Add money from linked banks, Cash pickup and bank deposit options, Request money from contacts, Airline and movie ticket booking

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

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 👍 Good features
- 👍 Reliable eWallet
- 👍 Good UI
- 👍 Smooth app performance

**What reviewers complain about**

- 😞 Unprofessional customer care
- 😞 App doesn't work
- 😞 Clueless KYC team
- 😞 App can't open
- 😞 Worst app

**Reported bugs**

- App doesn't work
- KYC team clueless
- App can't open
- App doesn't let complete transactions
- App stuck on loading screen

**Requested features**

- Add service transfer IMEPay to other wallets
- Add more services and payments
- Add option for load money via international card
- Improve minimum top-up amount
- Add option for NRN users


### Sahara Smart

[App page](https://appshunter.io/ios/app/sahara-smart/id1499760846)

Manage your bank account conveniently from your mobile device anytime, anywhere. This secure app allows for easy fund transfers, bill payments, and instant QR code payments through the Fonepay Network. Enjoy simplified banking without needing to visit a branch.

**Highlights:** Banking on the go, Bill payments, Fund transfers, QR code payments, Account information access, Secure transactions

**In-app purchases:** none


## Frequently asked questions

### Is IME Pay free?

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

### Is Sahara Smart free?

Sahara Smart is free to download, with no in-app purchases.

### Which has better reviews, IME Pay or Sahara Smart?

IME Pay is rated higher. IME Pay averages 3.8 out of 5 from 112 ratings, while Sahara Smart averages 3.5 from 2 ratings.

### Do IME Pay or Sahara Smart have ads?

Neither IME Pay nor Sahara Smart shows ads.

### Which is updated more often, IME Pay or Sahara Smart?

IME Pay ships an update every 3 weeks, and Sahara Smart every 7 months. Most recently, IME Pay was updated on November 2, 2026 and Sahara Smart on November 3, 2026.

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