Comparison

BOC SmartPay vs Dialog Pay Business

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

Dialog Pay Business

Features
Read full description

Dialog Pay Business: Sri Lanka's #1 Digital Payment App for Growing Businesses Turn your phone into a powerful payment terminal. Dialog Pay Business, powered by Dialog Finance, is the all-in-one fintech app built for micro, small, and medium enterprises (MSMEs) across Sri Lanka, helping you accept payments, sell online, and access working capital, all from one app. Whether you run a boutique, a food stall, a salon, or a growing SME, Dialog Pay Business gives you everything you need to go digital, get paid faster, and scale with confidence. Why Businesses Love Dialog Pay Business Tap to Pay, MiniPOS & POS Accept Visa and Mastercard payments instantly using NFC-enabled phones, MiniPOS devices, or POS terminals. Flexible hardware options for every business size. Just tap and go. QR Payment Solutions Accept LankaQR, UPI, UnionPay International, Alipay+, WeChat Pay, JustPay, and Nepal Clearing House payments, all through a single QR code. From local shoppers to tourists from across Asia, one QR code covers every customer. Payment Links & E-Store Create instant payment links and share them via SMS, email, or social media. Launch your own online store in minutes with the built-in E-Store, no website needed. Micro-Lending & Working Capital Get fast, flexible access to micro-loans built for underbanked businesses. Fuel your growth without the paperwork of traditional bank loans. Real-Time Transaction Monitoring Track sales, view transaction history, and generate detailed reports, anytime, anywhere, right from your phone. Advanced security standards Every transaction is protected with industry-leading encryption and security standards, so you and your customers can pay with total peace of mind. No Business Registration Needed Start accepting digital payments today, even without formal business registration. Dialog Pay Business is built to remove barriers and bring every entrepreneur into the digital economy. Perfect For: Retail shops • Restaurants & cafés • Salons & spas • Freelancers • Market vendors • Online sellers • SMEs & startups Why Dialog Pay Business? Trusted by thousands of MSMEs across Sri Lanka, Dialog Pay Business isn't just a payment app, it's a complete digital finance platform built for affordability, simplicity, and financial inclusion. From your first sale to your next big loan, we're with you every step of the way. Download Dialog Pay Business today and take your business digital: securely, instantly, and effortlessly. Learn more at www.dialogpaybusiness.lk

Screenshots

BOC SmartPay4 screens
Dialog Pay Business4 screens

Verdict

The call

BOC SmartPay and Dialog Pay Business are too close to call on the numbers: across 6 compared parameters — price, update cadence, ads and in-app purchases among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

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.

UpkeepUpdate frequency

BOC SmartPay ships an update every 3 months, Dialog Pay Business every 6 months. The most recent releases landed on November 2, 2026 and November 3, 2026 respectively.

ScorecardNo meaningful differences
BOC SmartPay versus Dialog Pay Business: the parameters behind the verdict, then further details
ParameterBOC SmartPayDialog Pay Business
PriceFreeFree
Rating3.5 (20 ratings) — better—
Positive reviews66.7% of reviews—
Number of ratings20 — better—
Update frequencyEvery 3 months — betterEvery 6 months
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS16.615.6 — better
Further details — not scored
Size46 MB112 MB
Age rating4+4+
DeveloperBANK OF CEYLONDialog Axiata PLC

In-app purchases

None

BOC SmartPay

No in-app purchases

None

Dialog Pay Business

No in-app purchases

Questions

Is BOC SmartPay free?
BOC SmartPay is free to download, with no in-app purchases.
Is Dialog Pay Business free?
Dialog Pay Business is free to download, with no in-app purchases.
Do BOC SmartPay or Dialog Pay Business have ads?
Neither BOC SmartPay nor Dialog Pay Business shows ads.
Which is updated more often, BOC SmartPay or Dialog Pay Business?
BOC SmartPay ships an update every 3 months, and Dialog Pay Business every 6 months. Most recently, BOC SmartPay was updated on November 2, 2026 and Dialog Pay Business on November 3, 2026.

Other comparisons