# Mintpay | Pay Better. vs HCM Smiles

The clearest difference is update cadence: Mintpay | Pay Better. at monthly against HCM Smiles's every 3 months. HCM Smiles's advantage is iOS requirement (12.0 vs 15.5). On price, ads, in-app purchases 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.

Mintpay | Pay Better. ships an update monthly, HCM Smiles every 3 months. The most recent releases landed on November 3, 2026 and September 17, 2026 respectively.

## The numbers

| Metric | Mintpay | Pay Better. | HCM Smiles |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.6 (193 ratings)](https://appshunter.io/ios/app/mintpay-pay-better/id1587093030/reviews)** | — |
| Number of ratings | **193** | — |
| Positive reviews | 0.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Monthly** | Every 3 months |
| Monetization | Free | — |
| Size | 81 MB | 60 MB |
| Requires iOS | 15.5 | **12.0** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 17+ | 17+ |
| Developer | [Mintpay (Private) Limited](https://appshunter.io/developer/1587093032) | [HAVELOCK CITY (PRIVATE) LIMITED](https://appshunter.io/developer/1698460386) |

## What reviewers say

### Mintpay | Pay Better.

[App page](https://appshunter.io/ios/app/mintpay-pay-better/id1587093030)

Shop smarter and earn rewards with this payment app. Choose to pay now for instant cashback in loyalty coins or pay later in three interest-free installments. Redeem your earned coins across a wide network of partner brands.

**Highlights:** Pay Now with instant cashback, Pay Later in 3 interest-free installments, Earn and redeem Mint Coins, Shop at 2,500+ partner brands, Track payments and spending, Instant account verification

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

**In-app purchases:** none


### HCM Smiles

[App page](https://appshunter.io/ios/app/hcm-smiles/id6451470866)

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Mintpay | Pay Better. free?

Mintpay | Pay Better. is free to download, with no in-app purchases.

### Is HCM Smiles free?

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

### Do Mintpay | Pay Better. or HCM Smiles have ads?

Neither Mintpay | Pay Better. nor HCM Smiles shows ads.

### Which is updated more often, Mintpay | Pay Better. or HCM Smiles?

Mintpay | Pay Better. ships an update monthly, and HCM Smiles every 3 months. Most recently, Mintpay | Pay Better. was updated on November 3, 2026 and HCM Smiles 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.*