Comparison

iPay88 Direct Pay vs BPI

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

iPay88 Direct Pay

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
Read full description

An Application that provide merchants the mobility to facilitates its' businesses to variety of payment methods. As business are moving cashless, DirectPay provides merchants the mobility to facilitates its daily transactions in a secured encrypted environment. Features includes: Transactions Dealing, monitoring and accepting business transactions. Security Features Merchants are not required to possess, transmit or in contact of any sensitive data. The App is also fully encrypted and in compliance with PCI DSS Multi-Platform Accepts variety payment method such AliPay, major credit cards. Customers Details Simplified customers transaction history and information details on the go. E-Receipts Creates receipts and transaction acknowledgment Keeping Track Provides real time updates on information such as sales & inventories. This mobile App is catered specially for the merchants to be able to monitor and be updated on its business constantly, all that is needed is a smartphone/tablet and data connection.

About

BPI

Manage your finances on the go with this comprehensive banking application. Open accounts, transfer funds, pay bills, and utilize QR payments. Features include AI-powered financial planning, investment services, and secure transaction authorization.

Highlights
  • Online account opening
  • QR payments
  • Money transfers
  • Scheduled transactions
  • AI personal finance manager
  • Investment services
  • Mobile key for authorization
Features
Read full description

Welcome to the BPI app! Managing your money has never been easier. Access your accounts, transfer funds, pay bills, invest, and more, wherever you are. The BPI app gives you secure and convenient banking right at your fingertips. FREE TRANSFERS TO BANKS AND E-WALLETS Easily transfer money between your BPI accounts, send money to other BPI accounts, or transfer funds to other local banks and e-wallets via PesoNet and InstaPay for free. Save time by setting up Favorites for frequently used recipients. PAY BILLS ANYTIME Settle bills anytime with thousands of billers to choose from. Schedule recurring payments ahead of time so you never miss a due date. PAY WITH QR PH Skip the cash-in and pay directly from your BPI account. Simply scan any QR Ph code at participating merchants. UNDERSTAND YOUR SPENDING BETTER Get personalized insights based on your transactions and app activity to help you manage your spending, make informed financial decisions, and stay on track with your goals. OPEN AN ACCOUNT IN MINUTES Open a BPI Savings Account using your National ID and selfie verification. No branch visit required. Once approved, you can immediately access BPI digital banking services. INVEST AND GROW YOUR MONEY Grow your wealth and secure your future with BPI investment products. View and manage your investments in one place and conveniently set up or amend your Regular Subscription Plan (RSP) directly in the app. Eligible clients can also access their BPI Privilege Cards and exclusive experiences through the app. TAKE CONTROL OF YOUR SECURITY Enjoy added security with customizable transaction limits and Mobile Key authorization. Securely approve transactions using your device's biometric credentials. You can also log in to BPI online on a web browser using the QR Scanner in the app when Mobile Key is unavailable. Manage your cards anytime and enjoy greater control and protection for your everyday banking activities. BANK WITHOUT VISITING A BRANCH Access a growing range of services directly in the app: • Order a Debit Card • Open a New Account • Open a Time Deposit Account • Reorder Checkbooks • Stop Check Payment Orders • Download Statements of Account • Download Wealth Portfolio Statements • Update Mobile Number • Manage Trusted Devices • Temporarily or Permanently Block Debit or Credit Cards • Check Deposit (available to eligible customers) • Cardless Withdrawal • Buy and Sell USD • Credit-to-Cash and Balance Conversion for eligible customers • Partner Store Transactions (Deposit or Withdraw) UNLOCK PERSONALIZED OFFERS Enjoy exclusive offers, rewards, and promotions available through the BPI app. Receive personalized deals and experiences designed for BPI customers. ABOUT BPI As one of the largest banks in the Philippines, The Bank of the Philippine Islands has a long-standing reputation for providing trusted and reliable financial services. Through continuous innovation and digital transformation, BPI delivers secure, convenient, and customer-focused banking solutions that help millions of Filipinos achieve their financial goals. BPI was recognized by FinanceAsia as Best Financial Company and Best Overall Company in the Philippines. With the BPI app, you can bank with confidence knowing your transactions are protected by robust security features. The app is continuously enhanced with new features and improvements designed to make banking simpler, safer, and more convenient every day. Download the BPI app and make every day better with BPI.

Screenshots

iPay88 Direct Pay4 screens
BPI4 screens

Verdict

The call

The clearest difference is rating: BPI at 4.8 against iPay88 Direct Pay's 1.0. BPI also leads on ratings volume (17K vs 2). iPay88 Direct Pay's advantage is review sentiment (50% vs 27%) and iOS requirement (13.0 vs 16.0). On price, update cadence, ads and in-app purchases 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

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

BPI holds the better App Store score, 4.8 against 1.0. That said, the two scores are not equally well evidenced: BPI has 17K 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 27% of BPI's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 2 months. The most recent releases landed on October 6, 2026 and October 14, 2026 respectively.

Scorecard4 real differences · 6 level
iPay88 Direct Pay versus BPI: the parameters behind the verdict, then further details
ParameteriPay88 Direct PayBPI
PriceFreeFree
Rating1.0 (2 ratings)4.8 (17K ratings) — better
Positive reviews50.0% of reviews — better27.0% of reviews
Number of ratings217K — better
Update frequencyEvery 2 monthsEvery 2 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad
Requires iOS13.0 — better16.0
Further details — not scored
Size59 MB197 MB
Age rating4+4+
DeveloperiPay88 Sdn BhdBank of the Philippine Islands

Customer experience

iPay88 Direct Pay

All ratings2 ratings
Positive0.0%
Neutral0.0%
Negative100.0%
Written reviews2 reviews
Positive50.0%
Neutral0.0%
Negative50.0%

BPI

All ratings17,201 ratings
Positive95.0%
Neutral1.4%
Negative3.6%
Written reviews577 reviews
Positive27.0%
Neutral2.8%
Negative70.2%

Bugs and requests

iPay88 Direct Pay

Not enough reviews yet to summarise bugs or requests.

BPI

Reported bugs

4 issues
  • Unable to register device
  • OTP not received
  • Transactions not processing
  • Compatibility issues with newer devices

Requested features

4 requests
  • Allow multiple device registration
  • Provide email-based OTP option
  • Restore copy-paste functionality
  • Add dark mode option

In-app purchases

None

iPay88 Direct Pay

No in-app purchases

None

BPI

No in-app purchases

Questions

Is iPay88 Direct Pay free?
iPay88 Direct Pay is free to download, with no in-app purchases.
Is BPI free?
BPI is free to download, with no in-app purchases.
Which has better reviews, iPay88 Direct Pay or BPI?
BPI is rated higher. iPay88 Direct Pay averages 1.0 out of 5 from 2 ratings, while BPI averages 4.8 from 17K ratings.
Do iPay88 Direct Pay or BPI have ads?
Neither iPay88 Direct Pay nor BPI shows ads.
Which is updated more often, iPay88 Direct Pay or BPI?
iPay88 Direct Pay ships an update every 2 months, and BPI every 2 months. Most recently, iPay88 Direct Pay was updated on October 6, 2026 and BPI on October 14, 2026.

Other comparisons