# PayEm vs IBI SMART

The clearest difference is ads: PayEm at none against IBI SMART's shown. PayEm also leads on monetization model (free vs ad-supported) and iOS requirement (11.0 vs 16.6). IBI SMART's advantage is rating (4.3 vs 3.9) and review sentiment (14% vs 0%). On price, update cadence, in-app purchases and device support there is nothing between them.

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

IBI SMART holds the better App Store score, 4.3 against 3.9. Both are backed by a comparable volume of ratings — 8 and 25 respectively. Written reviews point the same way: 0% of PayEm's written reviews are positive against 14% of IBI SMART's.

PayEm ships an update monthly, IBI SMART every 2 weeks. The most recent releases landed on October 8, 2026 and October 10, 2026 respectively.

## The numbers

| Metric | PayEm | IBI SMART |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.9 (8 ratings)](https://appshunter.io/ios/app/payem/id1469184606/reviews) | **[4.3 (25 ratings)](https://appshunter.io/ios/app/ibi-smart/id1549437040/reviews)** |
| Number of ratings | 8 | **25** |
| Positive reviews | 0.0% of reviews | **14.3% of reviews** |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Monthly | **Every 2 weeks** |
| Monetization | **Free** | Ad-supported |
| Size | 46 MB | 163 MB |
| Requires iOS | **11.0** | 16.6 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [PayEm Card Ltd](https://appshunter.io/developer/1469184605) | [IBI BROKERAGE TECHNOLOGIES LTD](https://appshunter.io/developer/1549437042) |

## What reviewers say

### PayEm

[App page](https://appshunter.io/ios/app/payem/id1469184606)

Manage company expenses on the go. Request funds, pay with shared cards, and easily upload receipts directly from your mobile device. This platform provides convenient access to financial tools for employees.

**Highlights:** Request funds, Pay with shared cards, Upload receipts, Access company finances, Mobile expense management

**Features:** macOS Compatibility

**In-app purchases:** none


### IBI SMART

[App page](https://appshunter.io/ios/app/ibi-smart/id1549437040)

Manage all your financial needs, from stocks and options to equity plans, in one place. Invest in U.S. stocks and ETFs with ease, or practice with a demo account. Access analyst recommendations and AI-powered financial report analysis.

**Highlights:** Manage stocks, options, and equity plans, U.S. stocks and ETFs trading, Demo account with virtual money, TipRanks analyst recommendations, AI analysis of financial reports, Create and track stock watch lists

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is PayEm free?

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

### Is IBI SMART free?

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

### Which has better reviews, PayEm or IBI SMART?

IBI SMART is rated higher. PayEm averages 3.9 out of 5 from 8 ratings, while IBI SMART averages 4.3 from 25 ratings.

### Do PayEm or IBI SMART have ads?

IBI SMART shows ads; PayEm does not.

### Which is updated more often, PayEm or IBI SMART?

PayEm ships an update monthly, and IBI SMART every 2 weeks. Most recently, PayEm was updated on October 8, 2026 and IBI SMART on October 10, 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.*