# STB Pay vs Paysmart

The clearest difference is rating: STB Pay at 4.0 against Paysmart's 1.0. STB Pay also leads on ads (none vs shown) and monetization model (free vs ad-supported). 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.

STB Pay holds the better App Store score, 4.0 against 1.0. Both are backed by a comparable volume of ratings — 3 and 1 respectively.

STB Pay ships an update every 3 weeks, Paysmart every 2 weeks. The most recent releases landed on June 10, 2026 and July 5, 2026 respectively.

## The numbers

| Metric | STB Pay | Paysmart |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.0 (3 ratings)](https://appshunter.io/ios/app/stb-pay/id1637595082/reviews)** | [1.0 (1 ratings)](https://appshunter.io/ios/app/paysmart/id1668404663/reviews) |
| Number of ratings | **3** | 1 |
| Positive reviews | — | 25.0% of reviews |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Every 3 weeks | **Every 2 weeks** |
| Monetization | **Free** | Ad-supported |
| Size | 65 MB | 48 MB |
| Requires iOS | **12.0** | 15.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [STE TUNISIENNE DE BANQUE](https://appshunter.io/developer/1045108544) | [SOCIETE MONETIQUE TUNISIE](https://appshunter.io/developer/1668404665) |

## What reviewers say

### STB Pay

[App page](https://appshunter.io/ios/app/stb-pay/id1637595082)

Easily and securely manage your finances on the go. View transaction history and make payments to merchants accepting this new payment method. Requires prior registration with STB Pay and a Tunisian bank card.

**Highlights:** Secure transaction history viewing, Merchant payments, 24/7 accessibility, Easy registration process

**Features:** macOS Compatibility

**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 STB Pay free?

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

### Is Paysmart free?

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

### Which has better reviews, STB Pay or Paysmart?

STB Pay is rated higher. STB Pay averages 4.0 out of 5 from 3 ratings, while Paysmart averages 1.0 from 1 ratings.

### Do STB Pay or Paysmart have ads?

Paysmart shows ads; STB Pay does not.

### Which is updated more often, STB Pay or Paysmart?

STB Pay ships an update every 3 weeks, and Paysmart every 2 weeks. Most recently, STB Pay was updated on June 10, 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.*