# Paytend vs BiyaPay

The clearest difference is review sentiment: BiyaPay at 89% against Paytend's 54%. Paytend's advantage is iOS requirement (13.0 vs 15.0). On price, update cadence, ads and in-app purchases there is nothing between them.

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

Paytend ships an update every 3 weeks, BiyaPay fortnightly. The most recent releases landed on June 11, 2026 and September 24, 2026 respectively.

## The numbers

| Metric | Paytend | BiyaPay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[4.2 (102 ratings)](https://appshunter.io/ios/app/biyapay/id1546702205/reviews)** |
| Number of ratings | — | **102** |
| Positive reviews | 53.8% of reviews | **89.2% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Fortnightly** |
| Monetization | Free | Free |
| Size | 124 MB | 131 MB |
| Requires iOS | **13.0** | 15.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [PAYTEND EUROPE UAB](https://appshunter.io/developer/1470069382) | [BIYA GLOBAL LLC](https://appshunter.io/developer/1546702297) |

## What reviewers say

### Paytend

[App page](https://appshunter.io/ios/app/paytend/id1470069383)

Manage personal and business finances with a comprehensive fintech solution. Open a SEPA account, transfer money globally, exchange currencies, and get virtual or physical bank cards. Offers business solutions for cross-border e-commerce.

**Highlights:** SEPA account opening, Global money transfers, Currency exchange, Virtual and physical card issuance, Business payment solutions, Cross-border e-commerce settlement

**Features:** macOS Compatibility

**In-app purchases:** none


### BiyaPay

[App page](https://appshunter.io/ios/app/biyapay/id1546702205)

Manage international remittances, trade stocks, and track global markets all in one app. Offers real-time currency conversion, secure asset management, and investment opportunities in U.S./Hong Kong stocks and various commodities.

**Highlights:** Real-time currency exchange for 200+ currencies, Cross-border remittance services, U.S. and Hong Kong stock investing, Cryptocurrency, gold, silver, and oil market tracking, Integrated asset management and wallet, Flexible wealth management with daily yield

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

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast and convenient transactions
- 🔒 Secure and reliable platform
- 👍 User-friendly interface
- 💡 Supports multi-currency trading
- 👍 Seamless integration with crypto and traditional banking

**What reviewers complain about**

- 🐛 Occasional app crashes or freezes
- ⚠️ Frequent mandatory updates
- 💰 High transaction fees for some services
- 🔍 Difficult price setting during trades

**Reported bugs**

- Login screen issues causing black screen
- Compatibility problems with older devices

**Requested features**

- Improved visual design and aesthetics
- Advanced portfolio tracking and analytics
- Expanded investment options (e.g., derivatives, commodities)
- Enhanced customer support and communication


## Frequently asked questions

### Is Paytend free?

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

### Is BiyaPay free?

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

### Do Paytend or BiyaPay have ads?

Neither Paytend nor BiyaPay shows ads.

### Which is updated more often, Paytend or BiyaPay?

Paytend ships an update every 3 weeks, and BiyaPay fortnightly. Most recently, Paytend was updated on June 11, 2026 and BiyaPay on September 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.*