# iPay88 Direct Pay vs BDO Online

The clearest difference is rating: BDO Online at 4.7 against iPay88 Direct Pay's 1.0. BDO Online also leads on ratings volume (11K vs 2) and update cadence (every 5 weeks vs every 2 months). iPay88 Direct Pay's advantage is review sentiment (50% vs 11%) and iOS requirement (13.0 vs 15.0). 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.

BDO Online holds the better App Store score, 4.7 against 1.0. That said, the two scores are not equally well evidenced: BDO Online has 11K 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 11% of BDO Online'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, BDO Online every 5 weeks. The most recent releases landed on October 6, 2026 and October 16, 2026 respectively.

## The numbers

| Metric | iPay88 Direct Pay | BDO Online |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.0 (2 ratings)](https://appshunter.io/ios/app/ipay88-direct-pay/id1282868902/reviews) | **[4.7 (11K ratings)](https://appshunter.io/ios/app/bdo-online/id1551584630/reviews)** |
| Number of ratings | 2 | **11K** |
| Positive reviews | **50.0% of reviews** | 11.2% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 5 weeks** |
| Monetization | Free | Free |
| Size | 59 MB | 412 MB |
| Requires iOS | **13.0** | 15.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [iPay88 Sdn Bhd](https://appshunter.io/developer/1105750504) | [BDO Unibank, Inc.](https://appshunter.io/developer/673015233) |

## 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


### BDO Online

[App page](https://appshunter.io/ios/app/bdo-online/id1551584630)

Manage your BDO accounts with this banking app. Secure your cards, view statements, and transfer funds with low fees. Confirm transactions using biometrics and send money via QR.

**Highlights:** Lock/unlock cards, View statements, Free BDO to BDO transfers, Biometric/Passcode confirmation, QR code money transfers

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Lightning-fast load times
- 🔒 Robust security features
- 👍 User-friendly interface

**What reviewers complain about**

- 🐛 Frequent crashes and bugs
- 🔑 Inconsistent login issues
- ⏱️ Slow and unresponsive
- 💳 Unable to access credit card accounts
- 📤 Unsuccessful transactions and transfers

**Reported bugs**

- Accounts not showing up
- Transaction history not updating
- Inability to receive OTP
- Constant need to reset password

**Requested features**

- Allow saving of biller details
- Synchronize passwords across web and mobile
- Provide OTP options via email or authenticator app
- Optimize for tablet/iPad use
- Add ability to transfer between own accounts (e.g., USD to PHP)


## Frequently asked questions

### Is iPay88 Direct Pay free?

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

### Is BDO Online free?

BDO Online is free to download, with no in-app purchases.

### Which has better reviews, iPay88 Direct Pay or BDO Online?

BDO Online is rated higher. iPay88 Direct Pay averages 1.0 out of 5 from 2 ratings, while BDO Online averages 4.7 from 11K ratings.

### Do iPay88 Direct Pay or BDO Online have ads?

Neither iPay88 Direct Pay nor BDO Online shows ads.

### Which is updated more often, iPay88 Direct Pay or BDO Online?

iPay88 Direct Pay ships an update every 2 months, and BDO Online every 5 weeks. Most recently, iPay88 Direct Pay was updated on October 6, 2026 and BDO Online on October 16, 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.*