Comparison

Smart Card Utility vs Pay

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Smart Card Utility

Access secure government and military websites on your iPhone or iPad using your PIV-enabled smart card. Log in quickly to Office 365, Webmail, Teams, and more, eliminating the need for a laptop.

Highlights
  • Smart card authentication for O365, Webmail, Teams
  • Access CAC protected websites via Safari
  • Fast login on iPhone and iPad
  • Supports PIV, CACv2/ECA, and PKCS15 cards
  • Compatible with various smart card readers
  • Access military and civilian web sites
Read full description

CAC Smart Card Access to O365, Webmail, Teams, and Much More Smart Card Utility enables smart card authentication to Office 365, Webmail, Teams, and most other CAC protected websites via Safari. Just plug in your existing PIV-enabled smart card and log in. Smart Card Utility is used by members of Air Force, Navy, Marines, Army, Coast Guard, and other military/government employees to access CAC protected websites on their iPhone or iPad. Login and Get to Work Fast! Forget about waiting for 20 minute for your laptop to boot up, log in and launch apps. Using your iPhone and iPad and Smart Card Utility, it takes seconds to turn on and access websites, Teams, Office 365 and more using your CAC smart card. Login fast with your CAC card and Smart Card Utility Readers for iOS and iPhone. Smart Card Authentication Wherever You Are Forget about waiting to get back to your laptop to check your email, verify your paycheck, take a course, or respond to a message on Teams. Smart Card Utility makes it simple to use the device you have with you to keep you connected. Simply insert your CAC into the reader and you are ready to access the resources where ever you are. Check Your Email and So Much More Leave your laptop behind and stop waiting in line to check your email on a shared PC. Use your smart card right on your iPhone or iPad to access your web mail using your CAC or PIV card. Smart Card Utility has been tested and is compatible with the most common military and civilian web sites, including: mypay.dfas.mil (myPay) www.defensetravel.osd.mil (Defense Travel System/DTS) jkodirect.jten.mil (JKO Learning Management) Office 365 (o365) owa.us.af.mil (webmail) www.tricare.mil (Tricare Health Care) www.dau.edu (DAU Defense Acquisition University) owa.us.af.mil (webmail) Microsoft Teams (web) MAX.gov Okta PIV Microsoft Azure Azure Active Directory (Azure AD) Amazon Web Services (AWS) Supported Readers: All Smart Card readers from Twocanoes Software. Feitian br301 Bluetooth Reader Feitian iR301 Lightning Reader Feitian iR301 USB-C Reader Certgate AirID 2 Bluetooth Contact Smart Card Reader USB-C wired readers supported by iOS 16 or later. Supported Card: PIV CACv2/ECA (see https://public.cyber.mil/eca/ for more infomation) PKCS15 (Country-specific cards, healthcare cards and national ID cards) EULA: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

About

Pay

Securely pay utility bills, view statements, and track consumption. Manage your account contact information on your mobile device.

Highlights
  • Secure bill payment
  • View billing statements
  • Track utility consumption
  • Manage contact information
  • Account management
Features
Read full description

With the PayGPWA Mobile App, you will be able to securely pay your GPA or GWA utility bill, view your past and current billing statements, track your monthly utility consumption, and manage your utility account’s contact information with your iOS powered mobile device.

Screenshots

Smart Card Utility4 screens
Pay4 screens

Verdict

The call

The clearest difference is rating: Smart Card Utility at 3.0 against Pay's 2.4. Smart Card Utility also leads on review sentiment (39% vs 18%). Pay's advantage is in-app purchases (none vs 4). On price, ratings volume, update cadence and ads 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Smart Card Utility sells 4 in-app purchases, starting at $2.99 per month. Pay asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

Smart Card Utility holds the better App Store score, 3.0 against 2.4. Both are backed by a comparable volume of ratings — 60 and 28 respectively. Written reviews point the same way: 39% of Smart Card Utility's written reviews are positive against 18% of Pay's.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 2 months. The most recent releases landed on September 19, 2026 and August 4, 2026 respectively.

Scorecard4 real differences · 6 level
Smart Card Utility versus Pay: the parameters behind the verdict, then further details
ParameterSmart Card UtilityPay
PriceFreeFree
Rating3.0 (60 ratings) — better2.4 (28 ratings)
Positive reviews38.6% of reviews — better18.2% of reviews
Number of ratings60 — better28
Update frequencyEvery 2 monthsEvery 2 months
AdsNoNo
In-app purchasesYesNo — better
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPad, iPod, Mac — betteriPhone, iPad, iPod
Requires iOS15.0 — better15.1
Further details — not scored
Size8 MB35 MB
Age rating4+4+
DeveloperTwocanoes Software, Inc.Guam Power Authority

Customer experience

Smart Card Utility

All ratings60 ratings
Positive48.3%
Neutral3.3%
Negative48.3%
Written reviews57 reviews
Positive38.6%
Neutral7.0%
Negative54.4%

Pay

All ratings28 ratings
Positive28.6%
Neutral7.1%
Negative64.3%
Written reviews11 reviews
Positive18.2%
Neutral9.1%
Negative72.7%

Bugs and requests

Smart Card Utility

Reported bugs

17 issues
  • Device will not connect to newer iPhones
  • PIN suddenly won't work
  • Does not see SCR 3310 card reader
  • Bluetooth reader bug on macOS
  • New update broke BT read on iOS
Show 12 more
  • Reproducible bug with Bluetooth reader and macOS Sonoma
  • Reader not showing up in app
  • Limited trial is very limited
  • iOS 16 with SCR3310 Non-functional
  • App sees reader, but cannot detect smart card
  • Reader could not be verified
  • App detects reader, but reader does not detect card
  • Broken in Big Sur
  • App opens but closes or prompts for purchase on Big Sur
  • BigSur Doesnt Work
  • Big Sur Bricked it
  • Doesn't work in Big Sur

Requested features

3 requests
  • Support for more CAC enabled sites
  • Show cert chain graphically
  • Support alphanumeric+symbols PINs

Pay

Not enough reviews yet to summarise bugs or requests.

In-app purchases

4 purchases

Smart Card Utility

Subscriptions1
  • 3rd Party Readers Support$2.991 Month
One-time3
  • Smart Card Utility$49.99
  • Smart Card Utility Mobile$49.99
  • Third Party Readers$49.99
None

Pay

No in-app purchases

Questions

Is Smart Card Utility free?
Smart Card Utility is free to download, with in-app purchases available.
Is Pay free?
Pay is free to download, with no in-app purchases.
Which has better reviews, Smart Card Utility or Pay?
Smart Card Utility is rated higher. Smart Card Utility averages 3.0 out of 5 from 60 ratings, while Pay averages 2.4 from 28 ratings.
Do Smart Card Utility or Pay have ads?
Neither Smart Card Utility nor Pay shows ads.
Which is updated more often, Smart Card Utility or Pay?
Smart Card Utility ships an update every 2 months, and Pay every 2 months. Most recently, Smart Card Utility was updated on September 19, 2026 and Pay on August 4, 2026.

Other comparisons