# LaterPayy vs Smart Rafiki

The clearest difference is iOS requirement: LaterPayy at 12.0 against Smart Rafiki's 15.1. On price, update cadence, ads and in-app purchases there is nothing between them.

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

LaterPayy ships an update every 6 weeks, Smart Rafiki every 5 weeks. Both last shipped on October 5, 2026.

## The numbers

| Metric | LaterPayy | Smart Rafiki |
| --- | --- | --- |
| Price | Free | Free |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 6 weeks | **Every 5 weeks** |
| Size | 77 MB | 55 MB |
| Requires iOS | **12.0** | 15.1 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Pharst Care](https://appshunter.io/developer/1596126248) | [Reli Technology Limited](https://appshunter.io/developer/1888417789) |

## What reviewers say

### LaterPayy

[App page](https://appshunter.io/ios/app/laterpayy/id1637614384)

**Features:** macOS Compatibility

**In-app purchases:** none


### Smart Rafiki

[App page](https://appshunter.io/ios/app/smart-rafiki/id6761254348)

**In-app purchases:** none


## Frequently asked questions

### Is LaterPayy free?

LaterPayy 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 LaterPayy or Smart Rafiki have ads?

Neither LaterPayy nor Smart Rafiki shows ads.

### Which is updated more often, LaterPayy or Smart Rafiki?

LaterPayy ships an update every 6 weeks, and Smart Rafiki every 5 weeks. Most recently, LaterPayy was updated on October 5, 2026 and Smart Rafiki on October 5, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*