# LM Pay vs U

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.

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. Both last shipped on October 20, 2026.

## The numbers

| Metric | LM Pay | U |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [5.0 (2 ratings)](https://appshunter.io/ios/app/lm-pay/id1529720152/reviews) | [5.0 (1 ratings)](https://appshunter.io/ios/app/u-pay-guard/id1665055558/reviews) |
| Number of ratings | **2** | 1 |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Every 17 months |
| Monetization | Free | Free |
| Size | 172 MB | 28 MB |
| Requires iOS | **10.0** | 12.0 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [LM PAY PLC](https://appshunter.io/developer/1529720154) | [U-Pay Digital Plc.](https://appshunter.io/developer/1540481315) |

## What reviewers say

### LM Pay

[App page](https://appshunter.io/ios/app/lm-pay/id1529720152)

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.

**Highlights:** 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

**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 LM Pay free?

LM 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, LM Pay or U?

LM Pay and U are both rated 5.0 out of 5 on the App Store, from 2 and 1 ratings respectively.

### Do LM Pay or U have ads?

Neither LM Pay nor U shows ads.

### Which is updated more often, LM Pay or U?

LM Pay ships an update every 3 weeks, and U every 17 months. Most recently, LM Pay was updated on October 20, 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.*