# KESSPay Pro vs Phillip Merchant

The clearest difference is ads: Phillip Merchant at none against KESSPay Pro's shown. KESSPay Pro's advantage is update cadence (fortnightly vs every 3 months). On price, in-app purchases, device support and iOS requirement there is nothing between them.

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

KESSPay Pro ships an update fortnightly, Phillip Merchant every 3 months. The most recent releases landed on October 12, 2026 and October 27, 2026 respectively.

## The numbers

| Metric | KESSPay Pro | Phillip Merchant |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (1 ratings)](https://appshunter.io/ios/app/kesspay-pro/id1518531663/reviews)** | — |
| Number of ratings | **1** | — |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | **Fortnightly** | Every 3 months |
| Monetization | Ad-supported | — |
| Size | 202 MB | 53 MB |
| Requires iOS | 16.6 | **15.1** |
| Devices | iPhone | **iPhone, iPod** |
| Age rating | 4+ | 9+ |
| Developer | [KESS INNOVATION PLC.](https://appshunter.io/developer/1496591276) | [Phillip Bank PLC](https://appshunter.io/developer/1071337994) |

## What reviewers say

### KESSPay Pro

[App page](https://appshunter.io/ios/app/kesspay-pro/id1518531663)

This digital payment app simplifies sending, receiving, and managing money. It offers instant transfers, group payments, and QR code scanning for quick transactions. Enjoy secure and reliable financial management with integrated services.

**Highlights:** Instant money transfers, Group payments, Scan & Pay QR codes, Secure payment technology, Connected third-party services

**In-app purchases:** none


### Phillip Merchant

[App page](https://appshunter.io/ios/app/phillip-merchant/id1534849140)

**Features:** Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is KESSPay Pro free?

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

### Is Phillip Merchant free?

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

### Do KESSPay Pro or Phillip Merchant have ads?

KESSPay Pro shows ads; Phillip Merchant does not.

### Which is updated more often, KESSPay Pro or Phillip Merchant?

KESSPay Pro ships an update fortnightly, and Phillip Merchant every 3 months. Most recently, KESSPay Pro was updated on October 12, 2026 and Phillip Merchant on October 27, 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.*