# KESS PAY vs U

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.

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.

## The numbers

| Metric | KESS PAY | U |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [5.0 (3 ratings)](https://appshunter.io/ios/app/kess-pay/id1518521952/reviews) | [5.0 (1 ratings)](https://appshunter.io/ios/app/u-pay-guard/id1665055558/reviews) |
| Number of ratings | **3** | 1 |
| Positive reviews | 66.7% of reviews | — |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | **Fortnightly** | Every 17 months |
| Monetization | Ad-supported | **Free** |
| Size | 201 MB | 28 MB |
| Requires iOS | 16.6 | **12.0** |
| Devices | iPhone | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [KESS INNOVATION PLC.](https://appshunter.io/developer/1496591276) | [U-Pay Digital Plc.](https://appshunter.io/developer/1540481315) |

## What reviewers say

### KESS PAY

[App page](https://appshunter.io/ios/app/kess-pay/id1518521952)

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.

**Highlights:** Instant money transfers, Group bill splitting, QR code payments, Secure transactions, Connected third-party services

**In-app purchases:** none


### U

[App page](https://appshunter.io/ios/app/u-pay-guard/id1665055558)

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.

**Highlights:** Two-factor authentication, Fund transfer authorization, Business account security, Rooted/jailbroken device restriction, Simple activation and usage

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is KESS PAY free?

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

### Is U free?

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

### Which has better reviews, KESS PAY or U?

KESS PAY and U are both rated 5.0 out of 5 on the App Store, from 3 and 1 ratings respectively.

### Do KESS PAY or U have ads?

KESS PAY shows ads; U does not.

### Which is updated more often, KESS PAY or U?

KESS PAY ships an update fortnightly, and U every 17 months. Most recently, KESS PAY was updated on October 12, 2026 and U 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.*