# iPay88 Direct Pay vs BPI

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.

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

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.

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

## The numbers

| Metric | iPay88 Direct Pay | BPI |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.0 (2 ratings)](https://appshunter.io/ios/app/ipay88-direct-pay/id1282868902/reviews) | **[4.8 (17K ratings)](https://appshunter.io/ios/app/bpi/id6443950982/reviews)** |
| Number of ratings | 2 | **17K** |
| Positive reviews | **50.0% of reviews** | 27.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | Every 2 months |
| Monetization | Free | Free |
| Size | 59 MB | 197 MB |
| Requires iOS | **13.0** | 16.0 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [iPay88 Sdn Bhd](https://appshunter.io/developer/1105750504) | [Bank of the Philippine Islands](https://appshunter.io/developer/459690073) |

## 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


### BPI

[App page](https://appshunter.io/ios/app/bpi/id6443950982)

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:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Smooth transfer experience
- 🔒 Secure authentication
- 👍 Convenient mobile banking
- 🙌 Improved app design

**What reviewers complain about**

- 🐛 Frequent crashes
- 🤯 Frustrating registration process
- 🤔 Confusing UI changes
- 🙅‍♀️ Not OFW-friendly
- 💔 Downgrade from previous app

**Reported bugs**

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

**Requested features**

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


## Frequently asked 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.

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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.*