# HBL Microfinance vs PayPro

The clearest difference is rating: HBL Microfinance at 3.4 against PayPro's 1.0. HBL Microfinance also leads on ratings volume (21 vs 6). PayPro's advantage is iOS requirement (13.0 vs 15.6). On price, review sentiment, update cadence and ads there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

HBL Microfinance holds the better App Store score, 3.4 against 1.0. Both are backed by a comparable volume of ratings — 21 and 6 respectively. Written reviews point the same way: 17% of HBL Microfinance's written reviews are positive against 9% of PayPro's.

HBL Microfinance ships an update every 2 months, PayPro every 6 weeks. The most recent releases landed on October 23, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | HBL Microfinance | PayPro |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.4 (21 ratings)](https://appshunter.io/ios/app/hbl-microfinance/id1463030414/reviews)** | [1.0 (6 ratings)](https://appshunter.io/ios/app/paypro-digitizing-pakistan/id1562318949/reviews) |
| Number of ratings | **21** | 6 |
| Positive reviews | **16.7% of reviews** | 9.1% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 6 weeks** |
| Monetization | Free | Free |
| Size | 201 MB | 124 MB |
| Requires iOS | 15.6 | **13.0** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [FMFB Pakistan](https://appshunter.io/developer/1364824103) | [PayPro Private Limited](https://appshunter.io/developer/1562318951) |

## What reviewers say

### HBL Microfinance

[App page](https://appshunter.io/ios/app/hbl-microfinance/id1463030414)

Manage your finances with this all-in-one banking and mobile wallet app. Send money, pay bills, recharge your phone, and apply for instant digital loans securely. Open a digital account and wallet for convenient mobile banking.

**Highlights:** Send and receive money instantly, Pay utility bills digitally, Recharge mobile load and bundles, Apply for instant digital loans, Manage bank account and debit card, Open digital bank account and wallet

**Features:** Vision Pro support

**In-app purchases:** none


### PayPro

[App page](https://appshunter.io/ios/app/paypro-digitizing-pakistan/id1562318949)

Easily pay school, club, real estate, and corporate bills using your Master/Visa card. Save all your bills in one place to avoid missing payments. Securely store debit/credit cards for quick and convenient bill settlement.

**Highlights:** Pay school, club, and corporate bills, Use Master/Visa cards for payment, Save bills for later payment, Securely store debit/credit cards, Digital invoicing for enterprises, Subscription management services

**In-app purchases:** none


## Frequently asked questions

### Is HBL Microfinance free?

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

### Is PayPro free?

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

### Which has better reviews, HBL Microfinance or PayPro?

HBL Microfinance is rated higher. HBL Microfinance averages 3.4 out of 5 from 21 ratings, while PayPro averages 1.0 from 6 ratings.

### Do HBL Microfinance or PayPro have ads?

Neither HBL Microfinance nor PayPro shows ads.

### Which is updated more often, HBL Microfinance or PayPro?

HBL Microfinance ships an update every 2 months, and PayPro every 6 weeks. Most recently, HBL Microfinance was updated on October 23, 2026 and PayPro on October 24, 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.*