Comparison

PointCheckout vs SeaPay

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

Head to head
About

PointCheckout

This app allows users to pay for online purchases using their accumulated loyalty and reward points from participating programs. It offers a flexible alternative to traditional redemption methods, enabling seamless transactions across a network of merchants.

Highlights
  • Pay with loyalty points
  • Participating reward programs
  • Online merchant network
  • Flexible redemption options
  • Simplified integration for partners
Read full description

PointCheckout is the first of its kind dedicated online payment provider for loyalty and reward points allowing members of participating reward programs to pay online within the PointCheckout merchant network using their points. PointCheckout was created in response to lack of flexibility and options in the redemption process for many of the worlds reward programs including those of banks, telecoms, and airlines. PointCheckout simplifies the process of adding redemption partners for reward programs by integrating only once to the PointCheckout online store network. Customers can finally enjoy their rewards wherever they shop online with ease.

About

SeaPay

Features
Read full description

SeaPay® is a financial powerhouse designed specifically for the marine industry. We are uniquely focused on providing solutions to seafarers, vessel owners and port-registered corporations. With SeaPay® you can step up your financial life. We cover all maritime needs for companies that employ crew, run charter operations. Our offering is also suitable for seafarers and their families abroad. You can always issue cards for your loved ones back home as well as send money worldwide. Our compliance team will help you with understanding your taxation and social security needs as well as anything concerning your financial success at sea. All of your finances are always under control with SeaPay® mobile app. With us you can: – Open an account with a unique IBAN – Hold and manage your funds in multiple currencies – Exchange seven currencies at affordable rates – Send and receive international bank wire transfers – Issue mass payments to bank accounts Our mobile app features: – Real-time review of account activity and balance – Transaction history to keep track of your spendings – New Feature for Recurring Transactions – Money transfers worldwide – Card top-up – Simplified sign in procedure with your password and biometric authentication. At SeaPay® we speak your language. We are a financial powerhouse for the marine specialists made by the marine specialists.

Screenshots

PointCheckout4 screens
SeaPay3 screens

Verdict

The call

The clearest difference is ads: PointCheckout at none against SeaPay's shown. PointCheckout also leads on update cadence (every 3 weeks vs every 2 months) and iOS requirement (9.0 vs 13.0). On price, in-app purchases and device support 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.

UpkeepUpdate frequency

PointCheckout ships an update every 3 weeks, SeaPay every 2 months. The most recent releases landed on October 10, 2026 and October 17, 2026 respectively.

Scorecard3 real differences · 7 level
PointCheckout versus SeaPay: the parameters behind the verdict, then further details
ParameterPointCheckoutSeaPay
PriceFreeFree
Rating3.0 (2 ratings) — better—
Positive reviews100.0% of reviews—
Number of ratings2 — better—
Update frequencyEvery 3 weeks — betterEvery 2 months
AdsNo — betterYes
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPodiPhone, iPod
Requires iOS9.0 — better13.0
Further details — not scored
Size29 MB51 MB
Age rating4+4+
DeveloperPointCheckout Holding Company LimitedNave Magna Ltd.

In-app purchases

None

PointCheckout

No in-app purchases

None

SeaPay

No in-app purchases

Questions

Is PointCheckout free?
PointCheckout is free to download, with no in-app purchases.
Is SeaPay free?
SeaPay is free to download, with no in-app purchases.
Do PointCheckout or SeaPay have ads?
SeaPay shows ads; PointCheckout does not.
Which is updated more often, PointCheckout or SeaPay?
PointCheckout ships an update every 3 weeks, and SeaPay every 2 months. Most recently, PointCheckout was updated on October 10, 2026 and SeaPay on October 17, 2026.

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