# CROSS vs Pays

The clearest difference is rating: CROSS at 4.9 against Pays's 3.0. CROSS also leads on ratings volume (110 vs 2) and update cadence (every 2 weeks vs every 5 weeks). 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.

CROSS holds the better App Store score, 4.9 against 3.0. That said, the two scores are not equally well evidenced: CROSS has 110 ratings behind it against 2, so its average is the more settled of the two.

CROSS ships an update every 2 weeks, Pays every 5 weeks. The most recent releases landed on October 29, 2026 and October 30, 2026 respectively.

## The numbers

| Metric | CROSS | Pays |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (110 ratings)](https://appshunter.io/ios/app/cross-global-remittance/id1444989949/reviews)** | [3.0 (2 ratings)](https://appshunter.io/ios/app/pays/id6743153994/reviews) |
| Number of ratings | **110** | 2 |
| Positive reviews | 99.4% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 2 weeks** | Every 5 weeks |
| Monetization | Free | Free |
| Size | 180 MB | 84 MB |
| Requires iOS | 15.0 | **14.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [CROSS ENF INC.](https://appshunter.io/developer/1444989948) | [Main street finance NBFI LLC](https://appshunter.io/developer/1801690089) |

## What reviewers say

### CROSS

[App page](https://appshunter.io/ios/app/cross-global-remittance/id1444989949)

This financial app helps foreigners in Korea manage their money. It offers international remittances, domestic transfers, offline payments, and public transportation access via a prepaid card. Enjoy competitive exchange rates, low fees, and multilingual customer support.

**Highlights:** International Remittance, Domestic Transfers, Offline Payments, Public Transportation Card, Prepaid Wallet Card, Competitive Exchange Rates, Multilingual Support

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast remittance speed
- 👍 Easy to use interface
- 💰 Competitive exchange rates
- 🆓 Free or low fees
- 🎁 Points and promotions

**What reviewers complain about**

- 🐛 Initial screen issue
- 🐌 Slow notification delivery
- ⚠️ Point expiration confusion

**Reported bugs**

- Initial screen requires extra step to close country selection
- Occasional slow notification delivery
- Point expiration date confusion

**Requested features**

- Improve initial screen flow for country selection
- Faster cancellation and re-deposit for failed transfers
- More clarity on point expiration dates


### Pays

[App page](https://appshunter.io/ios/app/pays/id6743153994)

This service offers innovative loan solutions using modern technology to save you time. Borrow between 50,000 and 2,000,000 MNT with repayment terms of 3, 6, 9, 12, or 24 months, without requiring collateral.

**Highlights:** Quick loan application, Flexible repayment terms, No collateral required, Modern technology solutions, Loan amounts up to 2,000,000 MNT

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is CROSS free?

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

### Is Pays free?

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

### Which has better reviews, CROSS or Pays?

CROSS is rated higher. CROSS averages 4.9 out of 5 from 110 ratings, while Pays averages 3.0 from 2 ratings.

### Do CROSS or Pays have ads?

Neither CROSS nor Pays shows ads.

### Which is updated more often, CROSS or Pays?

CROSS ships an update every 2 weeks, and Pays every 5 weeks. Most recently, CROSS was updated on October 29, 2026 and Pays on October 30, 2026.

---

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