# Jupay vs ElbowPay

The clearest difference is review sentiment: ElbowPay at 100% against Jupay's 67%. ElbowPay also leads on rating (5.0 vs 4.7). Jupay's advantage is ratings volume (2.8K vs 4). 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.

ElbowPay holds the better App Store score, 5.0 against 4.7. That said, the two scores are not equally well evidenced: Jupay has 2.8K ratings behind it against 4, so its average is the more settled of the two. Written reviews point the same way: 67% of Jupay's written reviews are positive against 100% of ElbowPay's.

Jupay ships an update fortnightly, ElbowPay every 3 weeks. The most recent releases landed on October 16, 2026 and September 30, 2026 respectively.

## The numbers

| Metric | Jupay | ElbowPay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (2.8K ratings)](https://appshunter.io/ios/app/jupay/id1441559846/reviews) | **[5.0 (4 ratings)](https://appshunter.io/ios/app/elbowpay/id6758613844/reviews)** |
| Number of ratings | **2.8K** | 4 |
| Positive reviews | 67.4% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Every 3 weeks |
| Monetization | Free | Free |
| Size | 68 MB | 69 MB |
| Requires iOS | 15.6 | **15.1** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Juni Holdings Inc](https://appshunter.io/developer/1441559845) | [Elbow AI Inc.](https://appshunter.io/developer/1868357789) |

## What reviewers say

### Jupay

[App page](https://appshunter.io/ios/app/jupay/id1441559846)

Send money instantly and for free from the US, UK, and Canada to Ghana. Funds arrive in minutes directly to mobile wallets or bank accounts. Pay securely with debit cards or ACH, with real-time tracking and excellent support.

**Highlights:** Free transfers to Ghana, Instant money delivery, Mobile wallet and bank account deposits, Debit card and ACH payments, Real-time transaction tracking, FCA, FINTRAC registered

**Features:** macOS Compatibility

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast and reliable money transfers
- 🔒 Secure personal information
- 👍 User-friendly app
- 💰 Great exchange rates

**What reviewers complain about**

- 🐛 App crashes and freezes
- 🤖 Poor customer service
- ⚠️ Accounts being flagged for no reason
- 🕰️ Slow money delivery

**Reported bugs**

- App not opening on some devices
- Issues with adding/updating payment methods
- Pending transactions not being processed

**Requested features**

- Update personal information easily
- Improve app stability and performance
- Enhance customer service responsiveness


### ElbowPay

[App page](https://appshunter.io/ios/app/elbowpay/id6758613844)

A secure platform for direct peer-to-peer currency exchange. Connect with verified users, negotiate rates, and conduct transactions safely with escrow and verification systems. Offers a fast, affordable, and transparent alternative to traditional financial services.

**Highlights:** Peer-to-peer currency exchange, Negotiate exchange rates, Built-in escrow system, User verification, No banks or intermediaries, Transparent transactions

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

**In-app purchases:** none


## Frequently asked questions

### Is Jupay free?

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

### Is ElbowPay free?

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

### Which has better reviews, Jupay or ElbowPay?

ElbowPay is rated higher. Jupay averages 4.7 out of 5 from 2.8K ratings, while ElbowPay averages 5.0 from 4 ratings.

### Do Jupay or ElbowPay have ads?

Neither Jupay nor ElbowPay shows ads.

### Which is updated more often, Jupay or ElbowPay?

Jupay ships an update fortnightly, and ElbowPay every 3 weeks. Most recently, Jupay was updated on October 16, 2026 and ElbowPay on September 30, 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.*