Comparison

Mintpay | Pay Better. vs Smart Rafiki

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Mintpay | Pay Better.

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
Read full description

Shop smarter and get rewarded every time you pay. With Mintpay, you can Pay Now for instant cashback or Pay Later in three interest free instalments — and earn Mint Coins either way. Mintpay isn’t just another payment app. Join us as we build a financially fluent Sri Lanka, where everyone wins — you, our partner stores, and the broader community. Shop across fashion, electronics, food, travel, flights, and more at over 2,500+ partner brands. Ways to Pay Pay Now – Earn Cashback in Mint Coins Pay in full with your debit or credit card and get cashback as Mint Coins, redeemable on future purchases. No limits, no minimums — just real rewards. 1 Mint Coin = 1 LKR. Pay Later – 3 Interest-Free Instalments Split your bill into 3 interest-free payments with your debit or credit card and earn extra Mint Coins by paying your installments early — good habits pay off. What Are Mint Coins? - Mint Coins are your Mintpay rewards currency: - Earn them every time you Pay Now or Pay Later - Convert gift vouchers into Mint Coins for flexible use - Redeem them at any partner store, online or in-store - No expiry, no rush — spend anytime (T&Cs apply) How It Works - Sign Up in Minutes – Create a free account and verify to unlock Pay Later. - Shop Anywhere – Use Mintpay online or in-store at 2,500+ partner brands. - Pay Better – Choose Pay Now to earn cashback in Mint Coins, or Pay Later in 3 instalments and earn extra Mint Coins for early payments. - Redeem Mint Coins – Use your Mint Coins anytime, even partially, across multiple purchases. Why Mintpay? - Instant account verification - Unlimited cashback through Mint Coins - 0% interest on Pay Later - Earn rewards for responsible payments - Track payments, rewards, and spending easily in one app Shop better. Pay better. Earn more with Mintpay Contact Us: Website: https://mintpay.lk/ Email: support@mintpay.lk

About

Smart Rafiki

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Upgrade Your Lifestyle with Smart Rafiki – The Smartest Way to Shop Electronics. Why wait for months to save up for the latest smartphone, laptop, or home appliance? With Smart Rafiki, you can bring home the tech you love today and pay for it later in flexible, stress-free installments. Owned and operated by Rafiki Innovation, we are dedicated to making premium electronics accessible to everyone. Whether you're looking for the newest iPhone, a powerful work laptop, or energy-efficient home appliances, Smart Rafiki puts the power of choice in your hands. Why Choose Smart Rafiki? Shop the Best Brands: Browse a wide selection of genuine smartphones, tablets, laptops, and home electronics from the world’s leading brands. Flexible Pay Later Plans: Choose a repayment period that fits your budget—3, 6, 9, or 12 months. Instant Eligibility Check: Find out how much you qualify for in seconds. No long queues, no mountain of paperwork. Transparent Pricing: We believe in honesty. See your monthly payments, interest, and total cost upfront before you commit. Simple & Secure Signing: Sign your financing agreement digitally with a secure OTP—fast, safe, and paperless. Easy Down Payments: Pay your initial deposit quickly via M-Pesa and activate your plan instantly. How It Works: Browse: Explore our extensive catalog of electronics and add your favorites to the cart. Verify: Complete a quick, one-time identity verification. Configure: Choose your preferred repayment period and enter your down payment. Sign: Receive an OTP to digitally sign your agreement. Receive: Once approved and the deposit is paid, your order is processed for delivery! Download Smart Rafiki today and start living the future, one installment at a time.

Screenshots

Mintpay | Pay Better.4 screens
Smart Rafiki4 screens

Verdict

The call

Mintpay | Pay Better. and Smart Rafiki are too close to call on the numbers: across 6 compared parameters — price, update cadence, ads and in-app purchases among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

Mintpay | Pay Better. ships an update monthly, Smart Rafiki every 5 weeks. The most recent releases landed on October 25, 2026 and October 5, 2026 respectively.

ScorecardNo meaningful differences
Mintpay | Pay Better. versus Smart Rafiki: the parameters behind the verdict, then further details
ParameterMintpay | Pay Better.Smart Rafiki
PriceFreeFree
Rating4.6 (188 ratings) — better—
Positive reviews0.0% of reviews—
Number of ratings188 — better—
Update frequencyMonthly — betterEvery 5 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.515.1 — better
Further details — not scored
Size81 MB55 MB
Age rating17+4+
DeveloperMintpay (Private) LimitedReli Technology Limited

In-app purchases

None

Mintpay | Pay Better.

No in-app purchases

None

Smart Rafiki

No in-app purchases

Questions

Is Mintpay | Pay Better. free?
Mintpay | Pay Better. is free to download, with no in-app purchases.
Is Smart Rafiki free?
Smart Rafiki is free to download, with no in-app purchases.
Do Mintpay | Pay Better. or Smart Rafiki have ads?
Neither Mintpay | Pay Better. nor Smart Rafiki shows ads.
Which is updated more often, Mintpay | Pay Better. or Smart Rafiki?
Mintpay | Pay Better. ships an update monthly, and Smart Rafiki every 5 weeks. Most recently, Mintpay | Pay Better. was updated on October 25, 2026 and Smart Rafiki on October 5, 2026.

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