# iPaynow vs Alt Cap

The clearest difference is update cadence: iPaynow at every 2 months against Alt Cap's every 6 months. iPaynow also leads on iOS requirement (10.0 vs 15.6). 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.

iPaynow ships an update every 2 months, Alt Cap every 6 months. The most recent releases landed on October 7, 2026 and October 21, 2026 respectively.

## The numbers

| Metric | iPaynow | Alt Cap |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[5.0 (2 ratings)](https://appshunter.io/ios/app/alt-cap/id6443725674/reviews)** |
| Number of ratings | — | **2** |
| Positive reviews | 0.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 months** | Every 6 months |
| Monetization | Free | Free |
| Size | 12 MB | 62 MB |
| Requires iOS | **10.0** | 15.6 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Beijing Zhongyitongchuang Technology Co., Ltd](https://appshunter.io/developer/638602021) | [Alternative Capitalis LLC](https://appshunter.io/developer/1648771624) |

## What reviewers say

### iPaynow

[App page](https://appshunter.io/ios/app/ipaynow/id1419585707)

This app offers a cross-border payment solution for various merchants, including e-commerce, travel, and retail. It simplifies international transactions and allows users to view transaction details, bills, and collections easily. The platform aims to facilitate seamless payments for both foreign merchants and Chinese users abroad.

**Highlights:** Cross-border payment solution, Transaction details viewing, Bill management, Easy collection, Support for various merchant types

**Features:** macOS Compatibility

**In-app purchases:** none


### Alt Cap

[App page](https://appshunter.io/ios/app/alt-cap/id6443725674)

Access your investment account details, including balances and performance reports. Easily communicate with your financial advisor, upload important documents, and track your progress towards financial goals.

**Highlights:** View account information, Check balances, Contact advisor, Add documents, Review performance, Set financial goals

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

**In-app purchases:** none


## Frequently asked questions

### Is iPaynow free?

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

### Is Alt Cap free?

Alt Cap is free to download, with no in-app purchases.

### Do iPaynow or Alt Cap have ads?

Neither iPaynow nor Alt Cap shows ads.

### Which is updated more often, iPaynow or Alt Cap?

iPaynow ships an update every 2 months, and Alt Cap every 6 months. Most recently, iPaynow was updated on October 7, 2026 and Alt Cap on October 21, 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.*