# sai sai pay vs Starfish Microfinance

The clearest difference is rating: Starfish Microfinance at 5.0 against sai sai pay's 3.8. sai sai pay's advantage is update cadence (every 3 weeks vs every 6 months) and ratings volume (290 vs 1). On price, ads, in-app purchases and monetization model there is nothing between them.

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

Starfish Microfinance holds the better App Store score, 5.0 against 3.8. That said, the two scores are not equally well evidenced: sai sai pay has 290 ratings behind it against 1, so its average is the more settled of the two.

sai sai pay ships an update every 3 weeks, Starfish Microfinance every 6 months. The most recent releases landed on October 24, 2026 and October 5, 2026 respectively.

## The numbers

| Metric | sai sai pay | Starfish Microfinance |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.8 (290 ratings)](https://appshunter.io/ios/app/sai-sai-pay/id1504037925/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/starfish-microfinance/id6443613658/reviews)** |
| Number of ratings | **290** | 1 |
| Positive reviews | 38.9% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Every 6 months |
| Monetization | Free | Free |
| Size | 34 MB | 51 MB |
| Requires iOS | **9.0** | 15.0 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 17+ |
| Developer | [UAB Bank Limited](https://appshunter.io/developer/1406305742) | [First AI Myanmar Co.,Ltd](https://appshunter.io/developer/1511925315) |

## What reviewers say

### sai sai pay

[App page](https://appshunter.io/ios/app/sai-sai-pay/id1504037925)

Stay connected with your favorite artist and their community. This app allows you to make payments, transfer funds to friends, and purchase mobile top-ups. Future updates will enable buying artist merchandise directly.

**Highlights:** Artist news updates, In-app payments, Fund transfers to friends, Mobile top-up purchases, Artist merchandise purchasing (future)

**Features:** macOS Compatibility

**In-app purchases:** none

**What reviewers like**

- 🤩 Coolest app ever
- 💡 Great idea of collaboration
- 👍 Win-win situation
- 👍 Great UI/UX
- 👍 Easy to use

**What reviewers complain about**

- 👎 Just advertising
- 👎 Cannot play music well
- 👎 Very bad application
- 👎 UI/UX so lacking
- 👎 Stuck at passcode page

**Reported bugs**

- Cannot play music well
- Stuck at passcode page
- OTP can’t come in
- Network failures
- App can’t handle load

**Requested features**

- Music should run in the background outside the app
- Sound should be run after the app lock
- Songs should be run after lock
- Need more detailed features
- Can’t transfer from UAB app


### Starfish Microfinance

[App page](https://appshunter.io/ios/app/starfish-microfinance/id6443613658)

This application streamlines loan management by facilitating loan application submissions and repayments. It serves as a digital payment system designed to enhance users' financial lives.

**Highlights:** Loan application submission, Loan repayment management, Digital payment system, Financial enhancement

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is sai sai pay free?

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

### Is Starfish Microfinance free?

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

### Which has better reviews, sai sai pay or Starfish Microfinance?

Starfish Microfinance is rated higher. sai sai pay averages 3.8 out of 5 from 290 ratings, while Starfish Microfinance averages 5.0 from 1 ratings.

### Do sai sai pay or Starfish Microfinance have ads?

Neither sai sai pay nor Starfish Microfinance shows ads.

### Which is updated more often, sai sai pay or Starfish Microfinance?

sai sai pay ships an update every 3 weeks, and Starfish Microfinance every 6 months. Most recently, sai sai pay was updated on October 24, 2026 and Starfish Microfinance on October 5, 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.*