Comparison

BiyaPay vs THPay

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

Head to head
About

BiyaPay

Manage international remittances, trade stocks, and track global markets all in one app. Offers real-time currency conversion, secure asset management, and investment opportunities in U.S./Hong Kong stocks and various commodities.

Highlights
  • Real-time currency exchange for 200+ currencies
  • Cross-border remittance services
  • U.S. and Hong Kong stock investing
  • Cryptocurrency, gold, silver, and oil market tracking
  • Integrated asset management and wallet
  • Flexible wealth management with daily yield
Features
Read full description

Feature Overview BiyaPay supports real-time exchange rate lookup and conversion for 200+ currencies, providing users with faster, lower-cost, and seamless online international remittance services. In addition to currency exchange, the platform offers an intelligent conversion calculator, cross-border remittance, U.S./Hong Kong stock investing services, and market tracking for cryptocurrencies, gold, silver, crude oil, and other commodities—helping users manage funds and stay on top of market dynamics in one place. - Wallet: Covers asset management, receiving payments, transfers, deposits, and withdrawals. Supports crypto withdrawals and remittances at any time, with a clear view of account assets. - Instant Swap: After deposit, users can complete online multi-currency exchange with no preset limit, and withdraw funds to offshore bank accounts. - Wealth: Flexible wealth management service with daily yield settlement, automatically credited to available account balance. - Financial Asset Trading: Covers major markets including U.S. and Hong Kong stocks, with one account connected to multiple market opportunities. - Market Tracking: Supports market tracking for cryptocurrencies, gold, silver, crude oil, and other commodities, helping users monitor real-time price moves, trends, and market rhythm. Product Advantages BiyaPay continuously enhances its compliance qualifications and service capabilities to provide global users with an integrated financial experience covering payments, international remittance, securities investment, and market tracking services. Whether for cross-border fund management or multi-market information access, users can do so more efficiently and with greater peace of mind. - Fast Account Opening: Fully online onboarding with a low barrier and high efficiency. - Convenient Funding: Supports multiple funding methods with simple operations and smoother fund transfers. - User-Friendly Interface: Clear trading flows, bilingual Chinese-English interface, plus 24/7 Chinese customer support. - Comprehensive Functions: Rich order options that support both beginners and advanced traders. - Broad Market Coverage: Provides market tracking for U.S. and Hong Kong stocks, cryptocurrencies, gold, silver, crude oil, and other commodities, so users can track multi-market information in sync. - Competitive Fees: Competitive fee structure for U.S. and Hong Kong stock investing, helping reduce trading costs. - Fund Security: Segregated custodial accounts and multi-layer security verification mechanisms to protect accounts and assets. Official Website & Support Official Website: https://www.biyapay.com/ Customer Service Email: service@biyapay.com Customer Service Telegram: https://t.me/biyapay001 Telegram Community: https://t.me/BiyaPay_ch

About

THPay

This app simplifies managing virtual and physical VISA and Mastercard accounts. It offers quick account opening, global online and offline spending, and easy foreign currency exchange. Track all transactions with detailed historical billing and enjoy secure asset management through advanced encryption.

Highlights
  • Virtual and physical card management
  • Fast account opening
  • Global online and offline spending
  • Foreign currency exchange
  • Historical transaction tracking
  • Advanced encryption for security
Features
Read full description

THPay is a product with VISA and Master virtual and physical card functions. It is dedicated to making it easier for users to open accounts and manage their card assets. 1.Fast account opening Users can apply for a bank card and activate their account with a simple operation. It can be used for offline and online consumption in any region or country in the world. 2.Fast Exchange of Foreign Currency Supports users in exchanging money directly to their bank card accounts. 3.Historical Billing APP clearly records each transaction of users, users can filter by type and view by month and currency, which is convenient for users to check their assets. 4.Safety feature APP uses advanced encryption technology ,multiple rounds of verification to protect each user's transaction information and ensure asset security.

Screenshots

BiyaPay4 screens
THPay4 screens

Verdict

The call

The clearest difference is rating: THPay at 4.4 against BiyaPay's 4.2. BiyaPay's advantage is ratings volume (102 vs 14). On price, review sentiment, update cadence 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

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

THPay holds the better App Store score, 4.4 against 4.2. That said, the two scores are not equally well evidenced: BiyaPay has 102 ratings behind it against 14, so its average is the more settled of the two. Written reviews complicate that: 89% of BiyaPay's written reviews are positive against 83% of THPay's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

BiyaPay ships an update fortnightly, THPay every 3 weeks. The most recent releases landed on September 24, 2026 and September 11, 2026 respectively.

Scorecard2 real differences · 8 level
BiyaPay versus THPay: the parameters behind the verdict, then further details
ParameterBiyaPayTHPay
PriceFreeFree
Rating4.2 (102 ratings)4.4 (14 ratings) — better
Positive reviews89.2% of reviews — better83.3% of reviews
Number of ratings102 — better14
Update frequencyFortnightly — betterEvery 3 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.0 — better15.6
Further details — not scored
Size131 MB75 MB
Age rating4+17+
DeveloperBIYA GLOBAL LLCGLOBAL SMART CONSUMPTION ALLIANCE LIMITED

Customer experience

BiyaPay

All ratings102 ratings
Positive83.3%
Neutral3.9%
Negative12.7%
Written reviews130 reviews
Positive89.2%
Neutral1.5%
Negative9.2%

THPay

All ratings14 ratings
Positive85.7%
Neutral0.0%
Negative14.3%
Written reviews6 reviews
Positive83.3%
Neutral0.0%
Negative16.7%

Bugs and requests

BiyaPay

Reported bugs

2 issues
  • Login screen issues causing black screen
  • Compatibility problems with older devices

Requested features

4 requests
  • Improved visual design and aesthetics
  • Advanced portfolio tracking and analytics
  • Expanded investment options (e.g., derivatives, commodities)
  • Enhanced customer support and communication

THPay

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

BiyaPay

No in-app purchases

None

THPay

No in-app purchases

Questions

Is BiyaPay free?
BiyaPay is free to download, with no in-app purchases.
Is THPay free?
THPay is free to download, with no in-app purchases.
Which has better reviews, BiyaPay or THPay?
THPay is rated higher. BiyaPay averages 4.2 out of 5 from 102 ratings, while THPay averages 4.4 from 14 ratings.
Do BiyaPay or THPay have ads?
Neither BiyaPay nor THPay shows ads.
Which is updated more often, BiyaPay or THPay?
BiyaPay ships an update fortnightly, and THPay every 3 weeks. Most recently, BiyaPay was updated on September 24, 2026 and THPay on September 11, 2026.

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