# BiyaPay vs THPay

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.

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

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.

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

## The numbers

| Metric | BiyaPay | THPay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.2 (102 ratings)](https://appshunter.io/ios/app/biyapay/id1546702205/reviews) | **[4.4 (14 ratings)](https://appshunter.io/ios/app/thpay/id6466777834/reviews)** |
| Number of ratings | **102** | 14 |
| Positive reviews | **89.2% of reviews** | 83.3% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Every 3 weeks |
| Monetization | Free | Free |
| Size | 131 MB | 75 MB |
| Requires iOS | **15.0** | 15.6 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [BIYA GLOBAL LLC](https://appshunter.io/developer/1546702297) | [GLOBAL SMART CONSUMPTION ALLIANCE LIMITED](https://appshunter.io/developer/1707787858) |

## What reviewers say

### BiyaPay

[App page](https://appshunter.io/ios/app/biyapay/id1546702205)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast and convenient transactions
- 🔒 Secure and reliable platform
- 👍 User-friendly interface
- 💡 Supports multi-currency trading
- 👍 Seamless integration with crypto and traditional banking

**What reviewers complain about**

- 🐛 Occasional app crashes or freezes
- ⚠️ Frequent mandatory updates
- 💰 High transaction fees for some services
- 🔍 Difficult price setting during trades

**Reported bugs**

- Login screen issues causing black screen
- Compatibility problems with older devices

**Requested features**

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


### THPay

[App page](https://appshunter.io/ios/app/thpay/id6466777834)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*