PayGround vs UPS EFCU
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
PayGround
Easily manage and pay all your healthcare bills from one place. Simply snap a picture of your bill, enter provider information, and choose your payment method for a streamlined experience.
- Pay all medical bills
- Family bill management
- Secure payment processing
- AES 256-bit encryption
- PCI-DSS Level 1 certified
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PayGround was founded on the idea that paying your medical bills shouldn't be complicated. That's why PayGround makes it easy to access and pay all healthcare bills for you and your family—on your time and with one simple login. How does this work? 1. Create an account 2. Snap a pic of your medical bill 3. Choose your method of payment 4. Submit payment PayGround takes care of the rest! PAY ANY MEDICAL BILL Cut down on the time and hassle of sorting through the medical bill mess by using the PayGround app for all your medical bills. Simply enter the invoice and provider information, use your stored payment method and we take care of the rest. SAFE & SECURE All data that PayGround collects is stored with one of the most secure methods and standard levels of encryption for banks; AES 256-bit encryption. Additionally, PayGround holds a Payment Card Industry Data Security Standard (PCI-DSS) Level 1 certification level, the highest certification level in the payments processing industry, setting the standard for the storage of sensitive card information. You can be certain that your data will be safe with us. Discover more at payground.com.
UPS EFCU
Manage your finances on the go with this secure mobile banking app. Check balances, review transactions, pay bills, and transfer funds instantly. Deposit checks directly from your device.
- Check account balances
- Review recent transactions
- Deposit checks
- Online Bill Pay
- Transfer funds
- View and pay bills
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Access your accounts when and where you want right in the palm of your hand. It’s fast and secure to access your accounts anytime, anywhere. You have access to check your balances, pay bills and transfer money...while you are on the go! Features: • Check your account balances • Review recent transactions • Deposit checks • Online Bill Pay • Transfer funds between your accounts • View and pay bills (you must be enrolled in bill pay within online banking) You need to be enrolled in Online Banking to use this app. To enroll, visit our website or any branch location. There is no charge to download and use UPS Employees FCU’s mobile app, however standard data rates may apply for texting depending on your carrier and account plan. Federally insured by the NCUA.
Screenshots
Verdict
The clearest difference is rating: UPS EFCU at 4.8 against PayGround's 3.6. UPS EFCU also leads on review sentiment (40% vs 27%) and ratings volume (223 vs 34). PayGround's advantage is ads (none vs shown) and update cadence (every 6 weeks vs every 4 months). On price, in-app purchases, monetization model and device support 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
UPS EFCU holds the better App Store score, 4.8 against 3.6. That said, the two scores are not equally well evidenced: UPS EFCU has 223 ratings behind it against 34, so its average is the more settled of the two. Written reviews point the same way: 27% of PayGround's written reviews are positive against 40% of UPS EFCU's.
PayGround ships an update every 6 weeks, UPS EFCU every 4 months. The most recent releases landed on October 5, 2026 and October 20, 2026 respectively.
| Parameter | PayGround | UPS EFCU |
|---|---|---|
| Price | Free | Free |
| Rating | 3.6 (34 ratings) | 4.8 (223 ratings) — better |
| Positive reviews | 27.3% of reviews | 40.0% of reviews — better |
| Number of ratings | 34 | 223 — better |
| Update frequency | Every 6 weeks — better | Every 4 months |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 15.1 | 15.0 — better |
| Further details — not scored | ||
| Size | 54 MB | 60 MB |
| Age rating | 4+ | 4+ |
| Developer | PayGround, Inc. | UPS Employees FCU |
Customer experience
PayGround
UPS EFCU
In-app purchases
PayGround
No in-app purchases
UPS EFCU
No in-app purchases
Questions
Is PayGround free?
Is UPS EFCU free?
Which has better reviews, PayGround or UPS EFCU?
Do PayGround or UPS EFCU have ads?
Which is updated more often, PayGround or UPS EFCU?
Other comparisons
