# iPay88 Direct Pay vs SMDC Mobile App

The clearest difference is review sentiment: iPay88 Direct Pay at 50% against SMDC Mobile App's 3%. iPay88 Direct Pay also leads on iOS requirement (13.0 vs 15.1). SMDC Mobile App's advantage is rating (2.9 vs 1.0) and update cadence (every 2 weeks vs every 2 months). 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.

SMDC Mobile App holds the better App Store score, 2.9 against 1.0. That said, the two scores are not equally well evidenced: SMDC Mobile App has 11 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 3% of SMDC Mobile App'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, SMDC Mobile App every 2 weeks. The most recent releases landed on October 6, 2026 and October 15, 2026 respectively.

## The numbers

| Metric | iPay88 Direct Pay | SMDC Mobile App |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.0 (2 ratings)](https://appshunter.io/ios/app/ipay88-direct-pay/id1282868902/reviews) | **[2.9 (11 ratings)](https://appshunter.io/ios/app/smdc-mobile-app/id6578426151/reviews)** |
| Number of ratings | 2 | **11** |
| Positive reviews | **50.0% of reviews** | 3.3% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 2 weeks** |
| Monetization | Free | Free |
| Size | 59 MB | 35 MB |
| Requires iOS | **13.0** | 15.1 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [iPay88 Sdn Bhd](https://appshunter.io/developer/1105750504) | [BayaniPay](https://appshunter.io/developer/1721671799) |

## 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


### SMDC Mobile App

[App page](https://appshunter.io/ios/app/smdc-mobile-app/id6578426151)

Manage and pay your SMDC property dues conveniently through a single, user-friendly application. Settle various fees, including reservation fees, down payments, and real property taxes, using a wide array of payment methods. Enjoy secure transactions and access your payment history with ease.

**Highlights:** Easy property enrollment (up to 15 properties), Convenient payment of reservation fees, down payments, and taxes, Multiple payment methods (credit/debit card, Maya, BayaniPay, QRPh), Secure and verified transactions, Detailed transaction history and receipt generation

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

**In-app purchases:** none


## Frequently asked questions

### Is iPay88 Direct Pay free?

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

### Is SMDC Mobile App free?

SMDC Mobile App is free to download, with no in-app purchases.

### Which has better reviews, iPay88 Direct Pay or SMDC Mobile App?

SMDC Mobile App is rated higher. iPay88 Direct Pay averages 1.0 out of 5 from 2 ratings, while SMDC Mobile App averages 2.9 from 11 ratings.

### Do iPay88 Direct Pay or SMDC Mobile App have ads?

Neither iPay88 Direct Pay nor SMDC Mobile App shows ads.

### Which is updated more often, iPay88 Direct Pay or SMDC Mobile App?

iPay88 Direct Pay ships an update every 2 months, and SMDC Mobile App every 2 weeks. Most recently, iPay88 Direct Pay was updated on October 6, 2026 and SMDC Mobile App on October 15, 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.*