# Modapago | Smart Payments vs MODO

The clearest difference is ads: Modapago | Smart Payments at none against MODO's shown. Modapago | Smart Payments also leads on iOS requirement (13.0 vs 16.0). 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.

Modapago | Smart Payments ships an update every 5 days, MODO weekly. The most recent releases landed on October 3, 2026 and October 20, 2026 respectively.

## The numbers

| Metric | Modapago | Smart Payments | MODO |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[4.8 (1.3K ratings)](https://appshunter.io/ios/app/modo/id1530606263/reviews)** |
| Number of ratings | — | **1.3K** |
| Positive reviews | — | 27.9% of reviews |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | **Every 5 days** | Weekly |
| Monetization | — | Free |
| Size | 22 MB | 200 MB |
| Requires iOS | **13.0** | 16.0 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 4+ | 12+ |
| Developer | [SMART PAYMENTS SA](https://appshunter.io/developer/1477479272) | [Play Digital SA](https://appshunter.io/developer/1527103696) |

## What reviewers say

### Modapago | Smart Payments

[App page](https://appshunter.io/ios/app/modapago-smart-payments/id1477479273)

**Features:** macOS Compatibility

**In-app purchases:** none


### MODO

[App page](https://appshunter.io/ios/app/modo/id1530606263)

Simplify your daily life by connecting bank accounts and cards. Pay with QR or contactless, discover instant benefits and discounts, and access various services like recharges and gift cards. Transfer money easily to contacts without needing their bank details.

**Highlights:** Connect bank accounts and cards, QR and contactless payments, Discover instant discounts and benefits, Recharge services (SUBE, mobile, etc.), Send money to contacts without CBU/alias, View all account balances

**In-app purchases:** none

**What reviewers like**

- 💰 Excellent discounts and promotions
- 💳 Centralized payment options
- ⚡ Fast and efficient

**What reviewers complain about**

- 🐛 Frequent crashes and errors
- 🔒 Issues with identity verification
- 🔌 Compatibility problems with iOS updates
- 🔍 Unreliable search and promotion features
- 🤖 Poor customer support and unresolved issues

**Reported bugs**

- Login and registration failures
- Inability to transfer funds or make payments
- Glitches with QR code scanning

**Requested features**

- Add NFC payment support
- Improve notification settings
- Streamline account management and linking


## Frequently asked questions

### Is Modapago | Smart Payments free?

Modapago | Smart Payments is free to download, with no in-app purchases.

### Is MODO free?

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

### Do Modapago | Smart Payments or MODO have ads?

MODO shows ads; Modapago | Smart Payments does not.

### Which is updated more often, Modapago | Smart Payments or MODO?

Modapago | Smart Payments ships an update every 5 days, and MODO weekly. Most recently, Modapago | Smart Payments was updated on October 3, 2026 and MODO on October 20, 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.*