# PayGround vs UPS EFCU

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.

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.

## The numbers

| Metric | PayGround | UPS EFCU |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.6 (34 ratings)](https://appshunter.io/ios/app/payground/id1576559175/reviews) | **[4.8 (223 ratings)](https://appshunter.io/ios/app/ups-efcu/id1598115883/reviews)** |
| Number of ratings | 34 | **223** |
| Positive reviews | 27.3% of reviews | **40.0% of reviews** |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | **Every 6 weeks** | Every 4 months |
| Monetization | Free | Free |
| Size | 54 MB | 60 MB |
| Requires iOS | 15.1 | **15.0** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [PayGround, Inc.](https://appshunter.io/developer/1576559177) | [UPS Employees FCU](https://appshunter.io/developer/808388576) |

## What reviewers say

### PayGround

[App page](https://appshunter.io/ios/app/payground/id1576559175)

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.

**Highlights:** Pay all medical bills, Family bill management, Secure payment processing, AES 256-bit encryption, PCI-DSS Level 1 certified

**Features:** Vision Pro support

**In-app purchases:** none


### UPS EFCU

[App page](https://appshunter.io/ios/app/ups-efcu/id1598115883)

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.

**Highlights:** Check account balances, Review recent transactions, Deposit checks, Online Bill Pay, Transfer funds, View and pay bills

**In-app purchases:** none


## Frequently asked questions

### Is PayGround free?

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

### Is UPS EFCU free?

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

### Which has better reviews, PayGround or UPS EFCU?

UPS EFCU is rated higher. PayGround averages 3.6 out of 5 from 34 ratings, while UPS EFCU averages 4.8 from 223 ratings.

### Do PayGround or UPS EFCU have ads?

UPS EFCU shows ads; PayGround does not.

### Which is updated more often, PayGround or UPS EFCU?

PayGround ships an update every 6 weeks, and UPS EFCU every 4 months. Most recently, PayGround was updated on October 5, 2026 and UPS EFCU on October 20, 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.*