# IBI SMART vs Mesh Payments

The clearest difference is rating: IBI SMART at 4.3 against Mesh Payments's 3.7. IBI SMART also leads on update cadence (every 2 weeks vs every 5 months). Mesh Payments's advantage is ads (none vs shown) and monetization model (free vs ad-supported). On price, review sentiment, ratings volume 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.

IBI SMART holds the better App Store score, 4.3 against 3.7. Both are backed by a comparable volume of ratings — 25 and 24 respectively. Written reviews complicate that: 14% of IBI SMART's written reviews are positive against 22% of Mesh Payments's, so the app with the better star average is not the one people write more warmly about.

IBI SMART ships an update every 2 weeks, Mesh Payments every 5 months. The most recent releases landed on September 8, 2026 and September 17, 2026 respectively.

## The numbers

| Metric | IBI SMART | Mesh Payments |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.3 (25 ratings)](https://appshunter.io/ios/app/ibi-smart/id1549437040/reviews)** | [3.7 (24 ratings)](https://appshunter.io/ios/app/mesh-payments/id1619337620/reviews) |
| Number of ratings | **25** | 24 |
| Positive reviews | 14.3% of reviews | **22.2% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | **Every 2 weeks** | Every 5 months |
| Monetization | Ad-supported | **Free** |
| Size | 163 MB | 13 MB |
| Requires iOS | 16.6 | **16.4** |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [IBI BROKERAGE TECHNOLOGIES LTD](https://appshunter.io/developer/1549437042) | [Mesh Technologies Ltd.](https://appshunter.io/developer/1634170629) |

## What reviewers say

### IBI SMART

[App page](https://appshunter.io/ios/app/ibi-smart/id1549437040)

Manage all your financial needs, from stocks and options to equity plans, in one place. Invest in U.S. stocks and ETFs with ease, or practice with a demo account. Access analyst recommendations and AI-powered financial report analysis.

**Highlights:** Manage stocks, options, and equity plans, U.S. stocks and ETFs trading, Demo account with virtual money, TipRanks analyst recommendations, AI analysis of financial reports, Create and track stock watch lists

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### Mesh Payments

[App page](https://appshunter.io/ios/app/mesh-payments/id1619337620)

Manage company expenses and payments from anywhere. Request new cards, upload receipts, and gain real-time spend insights. Streamline approvals and sync transactions with your ERP for simplified reconciliation.

**Highlights:** On-the-go spend management, Receipt uploading via photo, Card balance checks, New card requests, Automated approval flows, Real-time spend insights, ERP transaction syncing

**Features:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is IBI SMART free?

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

### Is Mesh Payments free?

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

### Which has better reviews, IBI SMART or Mesh Payments?

IBI SMART is rated higher. IBI SMART averages 4.3 out of 5 from 25 ratings, while Mesh Payments averages 3.7 from 24 ratings.

### Do IBI SMART or Mesh Payments have ads?

IBI SMART shows ads; Mesh Payments does not.

### Which is updated more often, IBI SMART or Mesh Payments?

IBI SMART ships an update every 2 weeks, and Mesh Payments every 5 months. Most recently, IBI SMART was updated on September 8, 2026 and Mesh Payments on September 17, 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.*