# UPoint vs hipay

The clearest difference is rating: hipay at 4.1 against UPoint's 3.0. hipay also leads on review sentiment (50% vs 19%). UPoint's advantage is update cadence (every 2 weeks vs every 5 weeks) and ratings volume (48 vs 16). 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.

hipay holds the better App Store score, 4.1 against 3.0. Both are backed by a comparable volume of ratings — 48 and 16 respectively. Written reviews point the same way: 19% of UPoint's written reviews are positive against 50% of hipay's.

UPoint ships an update every 2 weeks, hipay every 5 weeks. The most recent releases landed on September 18, 2026 and September 14, 2026 respectively.

## The numbers

| Metric | UPoint | hipay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.0 (48 ratings)](https://appshunter.io/ios/app/upoint/id1440015569/reviews) | **[4.1 (16 ratings)](https://appshunter.io/ios/app/hipay/id1530550896/reviews)** |
| Number of ratings | **48** | 16 |
| Positive reviews | 18.8% of reviews | **50.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 weeks** | Every 5 weeks |
| Monetization | Free | Free |
| Size | 52 MB | 105 MB |
| Requires iOS | **15.0** | 15.6 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [United Alliance LLC](https://appshunter.io/developer/1440015568) | [High Payment Solutions LLC](https://appshunter.io/developer/1517340005) |

## What reviewers say

### UPoint

[App page](https://appshunter.io/ios/app/upoint/id1440015569)

This app is a unified loyalty program that rewards loyal customers with points for purchases. Collect points from participating businesses and redeem them for discounts or special offers. Access exclusive deals, coupons, and challenges directly through the application.

**Highlights:** Earn points on purchases, Redeem points at partner businesses, Exclusive discounts and coupons, Special offers and challenges, Smart search for products and locations, Digital loyalty card

**Features:** Vision Pro support

**In-app purchases:** none


### hipay

[App page](https://appshunter.io/ios/app/hipay/id1530550896)

This app allows users to make instant payments at over 13,000 merchants in Mongolia and internationally. It also facilitates cross-border transactions for tickets and eSIMs, and offers financial services like loans, insurance, and investments. Explore mini-apps for entertainment, shopping, and more.

**Highlights:** Instant payments at 13,000+ Mongolian merchants, Cross-border payments for tickets and eSIMs, Access to loans, insurance, and investments, Mini apps for entertainment and shopping, Global payment acceptance for merchants

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

**In-app purchases:** none


## Frequently asked questions

### Is UPoint free?

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

### Is hipay free?

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

### Which has better reviews, UPoint or hipay?

hipay is rated higher. UPoint averages 3.0 out of 5 from 48 ratings, while hipay averages 4.1 from 16 ratings.

### Do UPoint or hipay have ads?

Neither UPoint nor hipay shows ads.

### Which is updated more often, UPoint or hipay?

UPoint ships an update every 2 weeks, and hipay every 5 weeks. Most recently, UPoint was updated on September 18, 2026 and hipay on September 14, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*