# Mandalay Smart Pay vs SGH Plus

The clearest difference is review sentiment: Mandalay Smart Pay at 80% against SGH Plus's 0%. Mandalay Smart Pay also leads on rating (4.3 vs 2.0) and ratings volume (110 vs 4). SGH Plus's advantage is iOS requirement (12.4 vs 15.6). 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.

Mandalay Smart Pay holds the better App Store score, 4.3 against 2.0. That said, the two scores are not equally well evidenced: Mandalay Smart Pay has 110 ratings behind it against 4, so its average is the more settled of the two. Written reviews point the same way: 80% of Mandalay Smart Pay's written reviews are positive against 0% of SGH Plus's.

Mandalay Smart Pay ships an update every 3 months, SGH Plus every 5 months. Both last shipped on November 3, 2026.

## The numbers

| Metric | Mandalay Smart Pay | SGH Plus |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.3 (110 ratings)](https://appshunter.io/ios/app/mandalay-smart-pay/id1504195511/reviews)** | [2.0 (4 ratings)](https://appshunter.io/ios/app/sgh-plus/id1672272432/reviews) |
| Number of ratings | **110** | 4 |
| Positive reviews | **80.0% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 months** | Every 5 months |
| Monetization | Free | Free |
| Size | 109 MB | 36 MB |
| Requires iOS | 15.6 | **12.4** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [INNOVIX SOLUTIONS CO., LTD](https://appshunter.io/developer/1843007179) | [UAB Bank Limited](https://appshunter.io/developer/1406305742) |

## What reviewers say

### Mandalay Smart Pay

[App page](https://appshunter.io/ios/app/mandalay-smart-pay/id1504195511)

This app offers a convenient mobile solution for shopping, bill payments, and fund transfers. It allows users to pay via QR codes, send money to contacts, top up mobile balances, and cash out at agents. Users can also verify transactions and receive instant rewards.

**Highlights:** QR code payments for shopping, Bill payment for services, Money transfer to contacts, Mobile balance top-up, Cash withdrawal at agents, Transaction verification, Instant cash rewards

**Features:** Vision Pro support

**In-app purchases:** none


### SGH Plus

[App page](https://appshunter.io/ios/app/sgh-plus/id1672272432)

This app integrates financial services with a retail chain, offering a seamless shopping experience. Users can manage everyday essentials, make payments, and access exclusive loyalty benefits through a secure and convenient platform.

**Highlights:** Seamless financial and retail integration, Secure registration with two-factor authentication, Convenient mobile top-up and bill payments, Scan and pay functionality, Online shopping at SGH, Membership card access, Payment history tracking

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Mandalay Smart Pay free?

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

### Is SGH Plus free?

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

### Which has better reviews, Mandalay Smart Pay or SGH Plus?

Mandalay Smart Pay is rated higher. Mandalay Smart Pay averages 4.3 out of 5 from 110 ratings, while SGH Plus averages 2.0 from 4 ratings.

### Do Mandalay Smart Pay or SGH Plus have ads?

Neither Mandalay Smart Pay nor SGH Plus shows ads.

### Which is updated more often, Mandalay Smart Pay or SGH Plus?

Mandalay Smart Pay ships an update every 3 months, and SGH Plus every 5 months. Most recently, Mandalay Smart Pay was updated on November 3, 2026 and SGH Plus on November 3, 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.*