# Flutterwave vs Pay

Flutterwave and Pay both sit at 4.5 stars, but that hides the real split: 100% of Pay's written reviews are positive against 35% of Flutterwave's. Pay also leads on update cadence (every 2 weeks vs every 6 weeks) and iOS requirement (12.0 vs 15.1). Flutterwave's advantage is ratings volume (860 vs 2). On price, rating, ads 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 — 4.5 for Flutterwave against 4.5 for Pay. That said, the two scores are not equally well evidenced: Flutterwave has 860 ratings behind it against 2, so its average is the more settled of the two. Written reviews are what separate them: 35% of Flutterwave's written reviews are positive against 100% of Pay's.

Flutterwave ships an update every 6 weeks, Pay every 2 weeks. The most recent releases landed on October 20, 2026 and October 4, 2026 respectively.

## The numbers

| Metric | Flutterwave | Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.5 (860 ratings)](https://appshunter.io/ios/app/flutterwave/id1534897339/reviews) | [4.5 (2 ratings)](https://appshunter.io/ios/app/pay-u/id1658653409/reviews) |
| Number of ratings | **860** | 2 |
| Positive reviews | 35.0% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 6 weeks | **Every 2 weeks** |
| Monetization | Free | Free |
| Size | 42 MB | 53 MB |
| Requires iOS | 15.1 | **12.0** |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Flutterwave Inc.](https://appshunter.io/developer/1192995167) | [Pay-U Technologies LLC](https://appshunter.io/developer/1658653411) |

## What reviewers say

### Flutterwave

[App page](https://appshunter.io/ios/app/flutterwave/id1534897339)

Transform your smartphone into a mobile point-of-sale system to accept diverse payment methods, including cards, bank transfers, and mobile money. Manage your online store, track orders, and monitor transactions conveniently from your device.

**Highlights:** Mobile POS functionality, Accept card payments, Multiple payment methods, Create online stores, Order management, Transaction overview, Customer details retrieval

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🤍 Solid app
- 🤍 Simplifies payments
- 🤍 Reliable
- 🤍 Affordable and simple payment platform
- 🤍 Great user experience

**What reviewers complain about**

- 🐛 App not opening/functioning
- 🐛 Unable to sign in/create account
- 🐛 Pending transactions issues
- 🐛 Restricted accounts
- 🐛 Poor customer service

**Reported bugs**

- Login screen freezes
- Incompatible with older devices
- Verification issues with account details

**Requested features**

- Card payment option
- Dark mode
- Advanced analytics dashboard


### Pay

[App page](https://appshunter.io/ios/app/pay-u/id1658653409)

This app offers a unique approach to motor insurance, allowing users to pay for comprehensive coverage on a minute-by-minute basis. It provides an affordable and flexible way to manage your vehicle's insurance needs.

**Highlights:** Pay-per-minute insurance, Comprehensive motor coverage, Affordable insurance options, Flexible payment plans

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Flutterwave free?

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

### Is Pay free?

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

### Which has better reviews, Flutterwave or Pay?

Flutterwave and Pay are both rated 4.5 out of 5 on the App Store, from 860 and 2 ratings respectively.

### Do Flutterwave or Pay have ads?

Neither Flutterwave nor Pay shows ads.

### Which is updated more often, Flutterwave or Pay?

Flutterwave ships an update every 6 weeks, and Pay every 2 weeks. Most recently, Flutterwave was updated on October 20, 2026 and Pay on October 4, 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.*