# BFC Pay vs Arca

The clearest difference is in-app purchases: BFC Pay at none against Arca's 2. BFC Pay also leads on device support (3 vs 1) and iOS requirement (15.6 vs 17.0). Arca's advantage is ads (none vs shown) and update cadence (every 9 days vs monthly). On price there is nothing between them.

Both are free to download. Arca sells 2 in-app purchases, starting at $4.99 per month. BFC Pay asks for nothing beyond the download.

BFC Pay ships an update monthly, Arca every 9 days. The most recent releases landed on October 7, 2026 and September 11, 2026 respectively.

## The numbers

| Metric | BFC Pay | Arca |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (340 ratings)](https://appshunter.io/ios/app/bfc-pay/id1473732684/reviews)** | — |
| Number of ratings | **340** | — |
| Positive reviews | 50.0% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | Yes | **No** |
| Update frequency | Monthly | **Every 9 days** |
| Monetization | Free with in-app purchases | — |
| Size | 151 MB | 22 MB |
| Requires iOS | **15.6** | 17.0 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [BFC GROUP HOLDINGS WLL](https://appshunter.io/developer/1296649996) | [Nikolai Morozov](https://appshunter.io/developer/1896342665) |

## What reviewers say

### BFC Pay

[App page](https://appshunter.io/ios/app/bfc-pay/id1473732684)

Manage your finances seamlessly with this app, offering effortless mobile payments, global money transfers, and a multi-currency travel card. Securely pay bills, access instant Sharia-compliant financing, and simplify your financial life.

**Highlights:** Effortless mobile payments, Global money transfers, Multi-currency travel card, Online bill payments, Sharia-compliant financing, Bulletproof security

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

**In-app purchases:** none


### Arca

[App page](https://appshunter.io/ios/app/arca-expense-tracker/id6766978655)

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Arca Premium Monthly | $4.99 | per month |
| Arca Premium Yearly | $39.99 | per year |


## Frequently asked questions

### Is BFC Pay free?

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

### Is Arca free?

Arca is free to download, with in-app purchases available.

### Do BFC Pay or Arca have ads?

BFC Pay shows ads; Arca does not.

### Which is updated more often, BFC Pay or Arca?

BFC Pay ships an update monthly, and Arca every 9 days. Most recently, BFC Pay was updated on October 7, 2026 and Arca on September 11, 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.*