# iPay88 Direct Pay vs PNB Digital

The clearest difference is review sentiment: iPay88 Direct Pay at 50% against PNB Digital's 7%. iPay88 Direct Pay also leads on iOS requirement (13.0 vs 15.0). PNB Digital's advantage is rating (2.3 vs 1.0) and ratings volume (542 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.

PNB Digital holds the better App Store score, 2.3 against 1.0. That said, the two scores are not equally well evidenced: PNB Digital has 542 ratings behind it against 2, so its average is the more settled of the two. Written reviews complicate that: 50% of iPay88 Direct Pay's written reviews are positive against 7% of PNB Digital's, so the app with the better star average is not the one people write more warmly about.

iPay88 Direct Pay ships an update every 2 months, PNB Digital every 3 weeks. The most recent releases landed on October 6, 2026 and October 19, 2026 respectively.

## The numbers

| Metric | iPay88 Direct Pay | PNB Digital |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.0 (2 ratings)](https://appshunter.io/ios/app/ipay88-direct-pay/id1282868902/reviews) | **[2.3 (542 ratings)](https://appshunter.io/ios/app/pnb-digital/id1527029568/reviews)** |
| Number of ratings | 2 | **542** |
| Positive reviews | **50.0% of reviews** | 6.8% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 3 weeks** |
| Monetization | Free | Free |
| Size | 59 MB | 180 MB |
| Requires iOS | **13.0** | 15.0 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [iPay88 Sdn Bhd](https://appshunter.io/developer/1105750504) | [Philippine National Bank](https://appshunter.io/developer/1066651912) |

## What reviewers say

### iPay88 Direct Pay

[App page](https://appshunter.io/ios/app/ipay88-direct-pay/id1282868902)

This app empowers merchants to manage business transactions securely and efficiently. It offers real-time updates on sales and inventory, simplified customer transaction history, and the ability to accept various payment methods. Merchants can create e-receipts and monitor their business on the go.

**Highlights:** Facilitates various payment methods, Secure encrypted transactions, Real-time sales and inventory updates, Simplified customer transaction history, E-receipt generation, PCI DSS compliant

**Features:** macOS Compatibility

**In-app purchases:** none


### PNB Digital

[App page](https://appshunter.io/ios/app/pnb-digital/id1527029568)

Open a savings account, manage finances, and make payments easily. This app allows users to perform various banking transactions, including sending money, settling bills, and investing, all from their mobile device.

**Highlights:** Open savings accounts, Manage deposit and credit card accounts, Send money via InstaPay and PESONet, Settle bills and top-up eWallets, Invest in UITFs, Cardless ATM withdrawals, Order checkbooks

**Features:** Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Smooth banking experience
- 🔒 Secure transactions
- 👍 User-friendly interface
- 💡 Convenient bill payments

**What reviewers complain about**

- 🐛 Frequent crashes and errors
- 🔒 Restrictive device registration
- 👎 Poor customer support
- 🕰️ Slow response times

**Reported bugs**

- Unable to sign up or register
- Incorrect details error during login
- Unresponsive app during maintenance

**Requested features**

- Password reset option
- Multiple device registration
- Improved transaction history
- International remittance support


## Frequently asked questions

### Is iPay88 Direct Pay free?

iPay88 Direct Pay is free to download, with no in-app purchases.

### Is PNB Digital free?

PNB Digital is free to download, with no in-app purchases.

### Which has better reviews, iPay88 Direct Pay or PNB Digital?

PNB Digital is rated higher. iPay88 Direct Pay averages 1.0 out of 5 from 2 ratings, while PNB Digital averages 2.3 from 542 ratings.

### Do iPay88 Direct Pay or PNB Digital have ads?

Neither iPay88 Direct Pay nor PNB Digital shows ads.

### Which is updated more often, iPay88 Direct Pay or PNB Digital?

iPay88 Direct Pay ships an update every 2 months, and PNB Digital every 3 weeks. Most recently, iPay88 Direct Pay was updated on October 6, 2026 and PNB Digital on October 19, 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.*