# UBCIPAY vs Paysmart

The clearest difference is ads: UBCIPAY at none against Paysmart's shown. On price, update cadence, 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.

UBCIPAY ships an update every 3 weeks, Paysmart every 2 weeks. The most recent releases landed on September 12, 2026 and July 5, 2026 respectively.

## The numbers

| Metric | UBCIPAY | Paysmart |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[1.0 (1 ratings)](https://appshunter.io/ios/app/paysmart/id1668404663/reviews)** |
| Number of ratings | — | **1** |
| Positive reviews | — | 25.0% of reviews |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Every 3 weeks | **Every 2 weeks** |
| Monetization | — | Ad-supported |
| Size | 78 MB | 48 MB |
| Requires iOS | **14.0** | 15.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [UNION BANCAIRE POUR LE COMMERCE ET L'INDUSTRIE](https://appshunter.io/developer/614360800) | [SOCIETE MONETIQUE TUNISIE](https://appshunter.io/developer/1668404665) |

## What reviewers say

### UBCIPAY

[App page](https://appshunter.io/ios/app/ubcipay/id1622845040)

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

**In-app purchases:** none


### Paysmart

[App page](https://appshunter.io/ios/app/paysmart/id1668404663)

Manage and pay your bills digitally with real-time bill viewing and secure online payments. Track your payment history and visualize your spending with a dedicated dashboard. Get support 24/7 for any questions or claims.

**Highlights:** Real-time bill consultation, Automatic favorite bill updates, Secure digital bill payment, Payment history tracking, Spending visualization dashboard, 24/7 support and claims service

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is UBCIPAY free?

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

### Is Paysmart free?

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

### Do UBCIPAY or Paysmart have ads?

Paysmart shows ads; UBCIPAY does not.

### Which is updated more often, UBCIPAY or Paysmart?

UBCIPAY ships an update every 3 weeks, and Paysmart every 2 weeks. Most recently, UBCIPAY was updated on September 12, 2026 and Paysmart on July 5, 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.*