KESS PAY vs U
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
KESS PAY
This app simplifies sending, receiving, and managing money with instant transfers, group payments, and QR code scanning. It offers a secure and reliable way to handle everyday financial transactions and access connected services.
- Instant money transfers
- Group bill splitting
- QR code payments
- Secure transactions
- Connected third-party services
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KESS PAY is a smart digital payment app designed to make sending, receiving, and managing money easier than ever. Built for everyday life, it helps you pay, transfer, and stay connected — all in one place. ● What you can do with KESS PAY: 1. Instant Money Transfers – Send and receive money from friends, family, and peers anytime, anywhere. 2. Group Payments – Easily split bills or contribute to shared expenses. 3. Scan & Pay – Pay quickly at local stores by scanning QR codes. 4. Secure & Reliable – Keep your money safe with trusted, modern payment technology. 5. Connected Services – Access additional third-party services without leaving the app. ● Whether it’s shopping, dining, or sending money back home — KESS PAY is the simpler, faster, and safer way to pay. ● Visit us on Facebook to learn more. https://www.facebook.com/KESS-Innovation-PLC-110814020476161/
U
This app serves as a security key for a business payroll service, providing two-factor authentication to authorize fund transfers. It ensures high security by not operating on rooted or jailbroken devices.
- Two-factor authentication
- Fund transfer authorization
- Business account security
- Rooted/jailbroken device restriction
- Simple activation and usage
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U-Pay Guard is the security key for U-Pay Business Account Payroll service provided by U-Pay Digital Plc. It work as the two-factor authentication for U-Pay business clients to athorize the funds transfer operated in their business account. How to: U-Pay Guard has a simple activation and usage flow. In order to link U-Pay Guard with your buisiness account, please follow the instruction in APP. Security: As we considered your convenience and security as our top priority, we do not allow U-Pay Guard to work in rooted nor in jailbroken smartphones to ensure that no other external systems can gain access to it, ensuring highest level of security.
Screenshots
Verdict
The clearest difference is ads: U at none against KESS PAY's shown. U also leads on monetization model (free vs ad-supported) and device support (3 vs 1). KESS PAY's advantage is update cadence (fortnightly vs every 17 months) and ratings volume (3 vs 1). On price, rating and in-app purchases there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
On the App Store both sit at effectively the same score — 5.0 for KESS PAY against 5.0 for U. Both are backed by a comparable volume of ratings — 3 and 1 respectively.
KESS PAY ships an update fortnightly, U every 17 months. The most recent releases landed on October 12, 2026 and October 20, 2026 respectively.
| Parameter | KESS PAY | U |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (3 ratings) | 5.0 (1 ratings) |
| Positive reviews | 66.7% of reviews | — |
| Number of ratings | 3 — better | 1 |
| Update frequency | Fortnightly — better | Every 17 months |
| Ads | Yes | No — better |
| In-app purchases | No | No |
| Monetization | Ad-supported | Free — better |
| Devices | iPhone | iPhone, iPad, iPod — better |
| Requires iOS | 16.6 | 12.0 — better |
| Further details — not scored | ||
| Size | 201 MB | 28 MB |
| Age rating | 4+ | 4+ |
| Developer | KESS INNOVATION PLC. | U-Pay Digital Plc. |
Customer experience
KESS PAY
U
In-app purchases
KESS PAY
No in-app purchases
U
No in-app purchases
