LM Pay vs U
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
LM Pay
This mobile payment assistant simplifies transactions for goods and services, offering discounts across various scenarios like ride-hailing, dining, and travel. It also facilitates secure money transfers between users with 24/7 encryption and transaction tracking.
- Discounted payments for goods and services
- Online and offline payment options
- Send and request money between users
- Multiple credit refill channels
- Secure transaction tracking
- VIP concierge services
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LM Pay brings you a new lifestyle. LM PAY App makes it easier to pay for goods and services with discounts in every scenario of your life. Whether it is ride-hailing, feasting, entertainments, traveling, booking a hotel or VIP concierge car, LM PAY would be your safe and convenient mobile payment assistant. You can send and request money amongst friends who are also LM PAY users！With 24/7 secure encryption technology, you can easily track every transaction and make payments with no worries. Key features: 1. Customer can make payment online and offline in various scenarios. 2. Customer can make online transfer and receive money. 3. Customer can have multiple channels to re-fill credit online and offline. 4. Customer can withdraw, settle payments.
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 update cadence: LM Pay at every 3 weeks against U's every 17 months. LM Pay also leads on iOS requirement (10.0 vs 12.0). On price, rating, ratings volume and ads 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 LM Pay against 5.0 for U. Both are backed by a comparable volume of ratings — 2 and 1 respectively.
LM Pay ships an update every 3 weeks, U every 17 months. The most recent releases landed on September 16, 2026 and June 11, 2026 respectively.
| Parameter | LM Pay | U |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (2 ratings) | 5.0 (1 ratings) |
| Number of ratings | 2 — better | 1 |
| Update frequency | Every 3 weeks — better | Every 17 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 10.0 — better | 12.0 |
| Further details — not scored | ||
| Size | 172 MB | 28 MB |
| Age rating | 4+ | 4+ |
| Developer | LM PAY PLC | U-Pay Digital Plc. |
Customer experience
LM Pay
U
In-app purchases
LM Pay
No in-app purchases
U
No in-app purchases
