Comparison

BOC SmartPay vs SeylanPay

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

Head to head
About

BOC SmartPay

Manage your finances digitally with this Sri Lankan platform. Easily transfer funds between banks, pay bills, and make payments at merchants using QR codes. Enjoy cashless transactions and track your spending.

Highlights
  • Peer-to-peer fund transfers
  • Bill payments
  • QR code payments
  • Add any Sri Lankan bank account
  • Real-time account balance inquiry
  • Transaction history and e-receipts
  • Cashback and discount offers
Features
Read full description

SmartPay is a digital lifestyle service platform in Sri Lanka that helps you to manage your finances, digitally. The App facilitates Peer-to-Peer fund transfers between any Sri Lankan banks using an Account number or SmartPay fund transfer QR. You can pay to a wide range of billers, Scan any LankaQR at any Merchant location and receive Lanka QR or China Union Pay QR Merchant Payments rapidly. With SmartPay, now you’re free to, -Add any Bank Current or Savings account in Sri Lanka as a payment instrument. -Complete any Utility bill payment, in a matter of seconds. -Fund transfers from any local bank to another bank in real-time. -Scan and Pay at over 100,000 LANKAQR-certified merchant outlets islandwide with your mobile and without cash in hand. -Scan and Pay to any LANKAQR Code printed on a utility bill or a merchant invoice -Settle BOC Credit Cards quickly, avoiding additional fees or charges. -Inquire about balances of your BOC Savings or Current accounts in real time -View a mini statement of your registered Bank of Ceylon Accounts -Keep track of your day-to-day SmartPay transactions and get a sharable E-Receipt for successful transactions. -Receive exciting cash-backs, discounts, and exclusive offers when you pay -Be a LANKAQR and China UnionPay International certified merchant receiving accurate, traceable, and secure digital payments And now you are free to go wherever you wish, simply cashless! Download, use, feedback, and keep in touch with SmartPay for many more groundbreaking features to come!

About

SeylanPay

This mobile payment solution simplifies daily transactions by enabling secure and hassle-free payments via QR codes and registered cards/accounts. Easily manage linked payment methods, view transaction history, and raise disputes.

Highlights
  • QR code payments (VISA, MasterCard, LANKAQR)
  • Register Seylan Bank cards (Debit, Credit)
  • Register Seylan Bank accounts (Current, Savings)
  • View transaction history
  • Raise transaction disputes
  • Secure payment process with OTP
Features
Read full description

SeylanPay is a mobile payment solution that brings convenience to your day to day life by making payments simple, secured, hassle-free and convenient. SeylanPay mobile app supports VISA, MasterCard and LanakaQR QR code payments at selected merchant outlets island wide. You can make payments at any merchant who accept VISA, MasterCard and LANKAQR enabled with QR payment facilities Island wide. All your Credit Card , Debit Card and Current Accounts , Savings Accounts issued by Seylan Bank can be registered to make the payments through the SeylanPay app. All you have to do is scan the QR code and enter the purchasing amount and PIN code. SeylanPay mobile application is enabling you to; • Register any payment Card (Debit, Credit) issued by Seylan Bank by validating the card number, expiry date, CVV2 and a One Time Password (OTP). • Register Current Accounts and Savings Accounts opened with Seylan Bank by validating account number and NIC and One Time Password (OTP) • Make payments by scanning a VISA, MasterCard and LANKAQR QR code at any merchant location. • Obtain the status of the transaction with confirmation. • View transaction history. • Remove any card or account linked to the app when you want. • Raise a complaint about a disputed transaction using the app and it will be notified to the merchant instantly. • Reset application password within the App itself. • Support for the self-registration through consumer app. Please call us on +94 11 2 008 888 or email info@seylan.lk for further details or inquiries.

Screenshots

BOC SmartPay4 screens
SeylanPay3 screens

Verdict

The call

The clearest difference is rating: SeylanPay at 5.0 against BOC SmartPay's 3.5. SeylanPay also leads on iOS requirement (12.0 vs 16.6). BOC SmartPay's advantage is ratings volume (20 vs 1). On price, update cadence, ads and in-app purchases 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. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

SeylanPay holds the better App Store score, 5.0 against 3.5. That said, the two scores are not equally well evidenced: BOC SmartPay has 20 ratings behind it against 1, so its average is the more settled of the two.

UpkeepUpdate frequency

BOC SmartPay ships an update every 3 months, SeylanPay every 2 months. The most recent releases landed on August 17, 2026 and September 19, 2026 respectively.

Scorecard3 real differences · 7 level
BOC SmartPay versus SeylanPay: the parameters behind the verdict, then further details
ParameterBOC SmartPaySeylanPay
PriceFreeFree
Rating3.5 (20 ratings)5.0 (1 ratings) — better
Positive reviews66.7% of reviews—
Number of ratings20 — better1
Update frequencyEvery 3 monthsEvery 2 months — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS16.612.0 — better
Further details — not scored
Size46 MB90 MB
Age rating4+4+
DeveloperBank Of CeylonSeylan Bank PLC

Customer experience

BOC SmartPay

All ratings20 ratings
Positive55.0%
Neutral15.0%
Negative30.0%
Written reviews6 reviews
Positive66.7%
Neutral0.0%
Negative33.3%

SeylanPay

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

BOC SmartPay

No in-app purchases

None

SeylanPay

No in-app purchases

Questions

Is BOC SmartPay free?
BOC SmartPay is free to download, with no in-app purchases.
Is SeylanPay free?
SeylanPay is free to download, with no in-app purchases.
Which has better reviews, BOC SmartPay or SeylanPay?
SeylanPay is rated higher. BOC SmartPay averages 3.5 out of 5 from 20 ratings, while SeylanPay averages 5.0 from 1 ratings.
Do BOC SmartPay or SeylanPay have ads?
Neither BOC SmartPay nor SeylanPay shows ads.
Which is updated more often, BOC SmartPay or SeylanPay?
BOC SmartPay ships an update every 3 months, and SeylanPay every 2 months. Most recently, BOC SmartPay was updated on August 17, 2026 and SeylanPay on September 19, 2026.

Other comparisons