Comparison

BusinessPlus CFO vs bPAYd

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

BusinessPlus CFO

Features
Read full description

BusinessPlus CFO is a finance and treasury platform that built upon HKMA Banking Open API Initiative. It's designed to optimize the companies' cashflow and working capital by integrating banking services with financial management systems. Chief financial officers (CFO) and business owners can get common banking products and services real-time for comparison on mobile from local banks in Hong Kong and Great Bay Area. The platform is unique in its category because it provides not only insightful dashboards, but also comprehensive expense management software applications to support cashflow management. CFO Office can set budget, automate staff expenses reimbursement, approve purchase payments, initiate banking services request and see the company's major financials on mobile. Users can even get personalized reminders of bank rates changes, cashflow KPI and risk exposure for the company. BusinessPlus CFO provides cash visibility and traceability - bridging the gap between the CFO, AR/ AP, treasury and the company's multiple bankers. - Business User Account - Business User is available only for BusinessPlus CFO enterprise customers. This is a companion mobile app for existing users of BusinessPlus / FlexAccount. Reach out to us for solution portfolio and product demo (Learn more at https://www.businessplus.com.hk/cfo) - Personal User Account - Register with your email account to obtain FX rates notifications from your preferred banks for FREE. - Guest User Account - Access to real-time bank products rates from major local banks in Hong Kong. There are 28 local banks participating in Hong Kong Monetary Authority (HKMA) Banking Open API project. We have applied to them for product information open APls. Once the applications are approved, we will update the services to BusinessPlus CFO mobile App immediately. Thanks for your support and understanding! We hope you enjoy BusinessPlus CFO open banking financial services! Please contact us via email for any questions, suggestions and business cooperation.

About

bPAYd

This app streamlines business finances by offering seamless credit card processing, invoice management, and recurring payment options. It provides detailed reports, customer management, and cashier supervision for enhanced business operations.

Highlights
  • Credit card processing
  • Invoice management
  • Recurring payments
  • Customer management
  • Detailed reports
  • Payment links
Features
Read full description

Introducing bPAYd, crafted by Blackstone, the ultimate merchant-centric app tailored for seamless credit card processing and so much more. bPAYd doesn't just streamline payments; it revolutionizes the way you manage your business finances. Here’s why bPAYd is your go-to payment companion: Detailed Reports: Gain insights from comprehensive reports on processed credit cards and checks. Invoice Management: Send, view, edit, and manage your invoices all in one place. Swift Payments: Process payments quickly and efficiently. With bPAYd, payments are just a tap away. Payment Links: Easily generate and share payment links with your customers for a hassle-free payment experience. Recurring Payments: Set, configure, and manage recurring payments effortlessly. Customer Management: Keep your customer database organized. View, add, edit, or delete customer profiles with ease. Card Storage: Safely store customer cards and process them as needed, ensuring a smooth transaction every time. Product & Service Management: Handle your product and service inventory with our intuitive features. Web Payment Frame: Incorporate a payment frame on your website for a seamless online transaction experience. Cashier Management: Supervise and manage your cashiers efficiently. Ensure that everyone has the appropriate access. Verification Settings: Tailor your credit card verification settings to your business needs. Experience simplicity, efficiency, and innovation with bPAYd. Dive into the world of advanced payment processing today!

Screenshots

BusinessPlus CFO4 screens
bPAYd4 screens

Verdict

The call

BusinessPlus CFO and bPAYd are too close to call on the numbers: across 6 compared parameters — price, update cadence, ads and in-app purchases among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

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

UpkeepUpdate frequency

BusinessPlus CFO ships an update monthly, bPAYd every 5 weeks. The most recent releases landed on October 2, 2026 and October 16, 2026 respectively.

ScorecardNo meaningful differences
BusinessPlus CFO versus bPAYd: the parameters behind the verdict, then further details
ParameterBusinessPlus CFObPAYd
PriceFreeFree
Rating—5.0 (4 ratings) — better
Positive reviews—100.0% of reviews
Number of ratings—4 — better
Update frequencyMonthly — betterEvery 5 weeks
AdsNoNo
In-app purchasesNoNo
Monetization—Free
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS14.013.0 — better
Further details — not scored
Size70 MB70 MB
Age rating4+17+
DeveloperFlexSystem LimitedBlackstone Merchant Services

In-app purchases

None

BusinessPlus CFO

No in-app purchases

None

bPAYd

No in-app purchases

Questions

Is BusinessPlus CFO free?
BusinessPlus CFO is free to download, with no in-app purchases.
Is bPAYd free?
bPAYd is free to download, with no in-app purchases.
Do BusinessPlus CFO or bPAYd have ads?
Neither BusinessPlus CFO nor bPAYd shows ads.
Which is updated more often, BusinessPlus CFO or bPAYd?
BusinessPlus CFO ships an update monthly, and bPAYd every 5 weeks. Most recently, BusinessPlus CFO was updated on October 2, 2026 and bPAYd on October 16, 2026.

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