# Tawhid Pay vs SM Pay

The clearest difference is update cadence: SM Pay at weekly against Tawhid Pay's every 3 months. Tawhid Pay's advantage is iOS requirement (14.0 vs 17.0). On price, ads, in-app purchases and device support there is nothing between them.

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

Tawhid Pay ships an update every 3 months, SM Pay weekly. The most recent releases landed on October 2, 2026 and October 12, 2026 respectively.

## The numbers

| Metric | Tawhid Pay | SM Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (1 ratings)](https://appshunter.io/ios/app/tawhid-pay/id1546481237/reviews)** | — |
| Number of ratings | **1** | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Weekly** |
| Monetization | Free | — |
| Size | 24 MB | 44 MB |
| Requires iOS | **14.0** | 17.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Tawhid Bank](https://appshunter.io/developer/1546481239) | [Standard Finance, LLC](https://appshunter.io/developer/1838639565) |

## What reviewers say

### Tawhid Pay

[App page](https://appshunter.io/ios/app/tawhid-pay/id1546481237)

This finance app allows users to easily pay for mobile and internet services, television, and utilities. It also facilitates card-to-card transfers and provides account transaction information directly from a mobile phone, anytime and anywhere.

**Highlights:** Mobile service payments, Internet service payments, Television bill payments, Utility bill payments, Card-to-card transfers, Account transaction information

**Features:** macOS Compatibility

**In-app purchases:** none


### SM Pay

[App page](https://appshunter.io/ios/app/sm-pay/id6752281265)

**Features:** macOS Compatibility, Apple Wallet

**In-app purchases:** none


## Frequently asked questions

### Is Tawhid Pay free?

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

### Is SM Pay free?

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

### Do Tawhid Pay or SM Pay have ads?

Neither Tawhid Pay nor SM Pay shows ads.

### Which is updated more often, Tawhid Pay or SM Pay?

Tawhid Pay ships an update every 3 months, and SM Pay weekly. Most recently, Tawhid Pay was updated on October 2, 2026 and SM Pay on October 12, 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.*