UPOS vs Self Merchant
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
UPOS
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The UPOS app is an essential tool to help simplify and grow your business. As a merchant, simply download the UPOS app and use your smartphone to accept UPay payments from your customers. You can enjoy real-time payment processing minus the hassle of traditional card machines, additional hardware, and unnecessary bank delays. The UPOS app completely replaces the traditional card machine and transforms your smartphone, instantly, to a money accepting machine! To facilitate faster, more secure and simpler payments through the app, UPay — for the first time in Sri Lanka — has introduced dynamic QR codes. All you have to do is enter the bill amount, and a unique QR code will automatically be generated for each transaction. The customer uses the UPay app on their smartphone to scan the QR code unique to their purchase and authorizes the payment. The transaction is complete, thereafter, and the money gets transferred to your bank right away! Harness the power of UPOS, as a merchant, and be a part of the cashless society UPay is creating while growing your business. The security of your business is guaranteed through the UPOS app’s ‘Login’ and ‘Change Password’ features. Track and monitor the progress of your business with our ‘Transaction History’ and ‘Today’s Sale’ functions. Carry out transactions using the ‘Accept payments with dynamic QR’ option.
Self Merchant
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Bug fixes and performance improvements.
Screenshots
Verdict
The clearest difference is ads: Self Merchant at none against UPOS's shown. UPOS's advantage is iOS requirement (11.0 vs 15.0). On price, update cadence, in-app purchases and device support 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Both ship on a similar rhythm, roughly every 4 months. The most recent releases landed on October 8, 2026 and October 25, 2026 respectively.
| Parameter | UPOS | Self Merchant |
|---|---|---|
| Price | Free | Free |
| Update frequency | Every 4 months | Every 4 months |
| Ads | Yes | No — better |
| In-app purchases | No | No |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 11.0 — better | 15.0 |
| Further details — not scored | ||
| Size | 20 MB | 47 MB |
| Age rating | 4+ | 4+ |
| Developer | SDB Bank PLC | Citizens Development Business Finance PLC |
In-app purchases
UPOS
No in-app purchases
Self Merchant
No in-app purchases







