# Smart Card Utility vs Pay

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.

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.

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.

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

## The numbers

| Metric | Smart Card Utility | Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.0 (60 ratings)](https://appshunter.io/ios/app/smart-card-utility/id1444710309/reviews)** | [2.4 (28 ratings)](https://appshunter.io/ios/app/pay-gpwa/id1593835535/reviews) |
| Number of ratings | **60** | 28 |
| Positive reviews | **38.6% of reviews** | 18.2% of reviews |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | Every 2 months | Every 2 months |
| Monetization | Free with in-app purchases | **Free** |
| Size | 8 MB | 35 MB |
| Requires iOS | **15.0** | 15.1 |
| Devices | **iPhone, iPad, iPod, Mac** | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Twocanoes Software, Inc.](https://appshunter.io/developer/521862499) | [Guam Power Authority](https://appshunter.io/developer/1345310039) |

## What reviewers say

### Smart Card Utility

[App page](https://appshunter.io/ios/app/smart-card-utility/id1444710309)

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

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 3rd Party Readers Support | $2.99 | per month |
| Smart Card Utility | $49.99 | one-time |
| Smart Card Utility Mobile | $49.99 | one-time |
| Third Party Readers | $49.99 | one-time |

**What reviewers like**

- 👍 Works with DoD CAC
- 🚀 Access OWA and MyPay
- 👍 Works with Safari
- 🚀 Great for mobile iOS users
- 👍 Easy certificate download

**What reviewers complain about**

- 🐛 Doesn't work with newer iPhones
- 🐛 Overly expensive
- 🐛 Not user-friendly
- 🐛 Subscription required
- 🐛 Waste of money

**Reported bugs**

- 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

**Requested features**

- Support for more CAC enabled sites
- Show cert chain graphically
- Support alphanumeric+symbols PINs


### Pay

[App page](https://appshunter.io/ios/app/pay-gpwa/id1593835535)

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:** macOS Compatibility

**In-app purchases:** none


## Frequently asked 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.

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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.*