# toonie vs Payy

The clearest difference is review sentiment: Payy at 65% against toonie's 33%. On price, update cadence, 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.

toonie ships an update every 2 weeks, Payy every 8 days. The most recent releases landed on November 3, 2026 and November 4, 2026 respectively.

## The numbers

| Metric | toonie | Payy |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[4.1 (35 ratings)](https://appshunter.io/ios/app/payy/id6474760518/reviews)** |
| Number of ratings | — | **35** |
| Positive reviews | 33.3% of reviews | **65.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 weeks | **Every 8 days** |
| Monetization | Free | Free |
| Size | 206 MB | 130 MB |
| Requires iOS | **15.0** | 15.5 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Portit Limited](https://appshunter.io/developer/1485406567) | [Polybase Labs](https://appshunter.io/developer/1722468125) |

## What reviewers say

### toonie

[App page](https://appshunter.io/ios/app/toonie/id1562106899)

This app empowers local communities by facilitating digital services for businesses and individuals. It enables easy payment collection, promotion of local businesses, and instant money transfers, fostering financial inclusion and e-commerce.

**Highlights:** Collect payments and donations, Promote local businesses and services, Send and receive money instantly, Exchange currencies, Offer and redeem digital vouchers, Buy and sell items, Earn or offer cashback

**Features:** macOS Compatibility, Apple Wallet

**In-app purchases:** none


### Payy

[App page](https://appshunter.io/ios/app/payy/id6474760518)

This app offers a global money transfer solution, enabling easy and private digital payments. Send stablecoins using payment links, and enjoy financial freedom without the risk of account suspension or freezing. A debit card is also available for spending.

**Highlights:** Send stablecoins with payment links, No account freezing or suspension, User-controlled funds, Payy Card for spending, Easy and private digital money

**Features:** Apple Wallet

**In-app purchases:** none


## Frequently asked questions

### Is toonie free?

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

### Is Payy free?

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

### Do toonie or Payy have ads?

Neither toonie nor Payy shows ads.

### Which is updated more often, toonie or Payy?

toonie ships an update every 2 weeks, and Payy every 8 days. Most recently, toonie was updated on November 3, 2026 and Payy on November 4, 2026.

---

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