# Decaf Wallet vs Payy

The clearest difference is rating: Decaf Wallet at 4.4 against Payy's 4.1. Decaf Wallet also leads on ratings volume (115 vs 35). On price, review sentiment, update cadence and ads there is nothing between them.

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

Decaf Wallet holds the better App Store score, 4.4 against 4.1. Both are backed by a comparable volume of ratings — 115 and 35 respectively. Written reviews complicate that: 64% of Decaf Wallet's written reviews are positive against 65% of Payy's, so the app with the better star average is not the one people write more warmly about.

Decaf Wallet ships an update every 9 days, Payy every 8 days. The most recent releases landed on October 30, 2026 and October 25, 2026 respectively.

## The numbers

| Metric | Decaf Wallet | Payy |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.4 (115 ratings)](https://appshunter.io/ios/app/decaf-wallet/id1616564038/reviews)** | [4.1 (35 ratings)](https://appshunter.io/ios/app/payy/id6474760518/reviews) |
| Number of ratings | **115** | 35 |
| Positive reviews | 63.6% of reviews | **65.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 9 days | **Every 8 days** |
| Monetization | Free | Free |
| Size | 97 MB | 130 MB |
| Requires iOS | 16.6 | **15.5** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Decaf Inc.](https://appshunter.io/developer/1616564040) | [Polybase Labs](https://appshunter.io/developer/1722468125) |

## What reviewers say

### Decaf Wallet

[App page](https://appshunter.io/ios/app/decaf-wallet/id1616564038)

Manage your money globally with a crypto wallet that functions like a neobank. Send, receive, and invest digital dollars and cryptocurrencies with instant, borderless transactions and no intermediaries. Access funds worldwide via bank transfers or cash out at thousands of locations.

**Highlights:** Global money transfers, Digital dollar accounts, Crypto investing, Instant transactions, Gas-free transfers, Cash out worldwide, Non-custodial control

**Features:** Vision Pro support

**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 Decaf Wallet free?

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

### Is Payy free?

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

### Which has better reviews, Decaf Wallet or Payy?

Decaf Wallet is rated higher. Decaf Wallet averages 4.4 out of 5 from 115 ratings, while Payy averages 4.1 from 35 ratings.

### Do Decaf Wallet or Payy have ads?

Neither Decaf Wallet nor Payy shows ads.

### Which is updated more often, Decaf Wallet or Payy?

Decaf Wallet ships an update every 9 days, and Payy every 8 days. Most recently, Decaf Wallet was updated on October 30, 2026 and Payy on October 25, 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.*