Comparison

dtcpay vs Payy

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

Head to head
About

dtcpay

This app facilitates seamless stablecoin, cash, and card payments for customers and merchants globally. It offers fast, secure, and cost-efficient transactions for managing and transferring funds, both locally and internationally.

Highlights
  • Global stablecoin, cash, and card payments
  • Fast and secure transactions
  • Cost-efficient international transfers
  • Manage and track expenses
  • Seamless fund transfers
  • Currency conversion
Features
Read full description

dtcpay dtcpay offers customers and merchants worldwide the ability to handle stablecoin, cash, and card payments seamlessly. It is also compliant, fast, secure, and cost-efficient.

dtcpay is for everyone—whether you're a customer, merchant, or supplier located anywhere in the world. dtcpay can help you make payments, manage, and transfer funds seamlessly Payments & Transfers Make payments using dtcpay for fast transactions and allow merchants to receive their funds in their dtcpay accounts. Merchants can transfer the money to their suppliers anywhere in the world without a hassle, and at a lower cost compared to traditional remittance methods. Pay and Get Paid Make payments to your suppliers and employees and keep track of all your payments within a single app! No more messy Excel spreadsheets or complicated formulas to manage your cash flow and expenses. You can manage and track all your expenses and cash management within a single dashboard via the dtcpay platform. Transfer Without Borders Get one of the most competitive rates when transferring funds locally or internationally in different currencies, all with the click of a button. Save the hassle of physically exchanging money by using dtcpay to convert funds into your preferred currencies anytime. Important Disclosures dtcpay is a regulated Major Payment Institution (MPI), licensed by the Monetary Authority of Singapore (MAS), to conduct Digital Payment Token (DPT) services and other payment services under the Payment Services Act (PSA). dtcpay offers access to digital payment services, including stablecoin features, for eligible users. Access to these services is subject to regulatory requirements, local laws, and dtcpay’s internal compliance policies.

Stablecoin-related features are not available to all users and may be restricted based on your location, account type, and verification status. dtcpay does not provide financial, legal, or investment advice, and users are responsible for ensuring their use of these services complies with applicable regulations.

The value and availability of stablecoins may fluctuate and carry risks. By using dtcpay, you acknowledge and accept these risks and agree to use the services in accordance with our terms.

For full eligibility requirements, service details, and risk disclosures, please visit: https://dtcpay.com Address: 139 Cecil St, #08-01 Singapore 069539 Phone Number: +65 8500 0000 Email Address: support@dtcpay.com

About

Payy

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
Read full description

Payy is the global money app for everyone. Other money apps have fees, limits and delays.  Blockchains are clunky and unsafe. Payy is a new financial system built from the ground up to make digital money easy & private. • Send stablecoins with magical payment links — the receiver doesn’t even need to have Payy. • Never get debanked. Your account can never be frozen or 
suspended. Funds on Payy are controlled by you, not some bank. • Payy Card (limited availability) — spend stablecoins online or in shops, with unrivaled privacy.

Screenshots

dtcpay4 screens
Payy4 screens

Verdict

The call

The clearest difference is review sentiment: Payy at 65% against dtcpay's 0%. Payy also leads on rating (4.1 vs 3.4) and ratings volume (35 vs 10). On price, update cadence, ads and in-app purchases there is nothing between them.

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.

ReceptionRating · Positive reviews · Number of ratings

Payy holds the better App Store score, 4.1 against 3.4. Both are backed by a comparable volume of ratings — 10 and 35 respectively. Written reviews point the same way: 0% of dtcpay's written reviews are positive against 65% of Payy's.

UpkeepUpdate frequency

dtcpay ships an update every 10 days, Payy every 8 days. The most recent releases landed on November 7, 2026 and November 4, 2026 respectively.

Scorecard3 real differences · 7 level
dtcpay versus Payy: the parameters behind the verdict, then further details
ParameterdtcpayPayy
PriceFreeFree
Rating3.4 (10 ratings)4.1 (35 ratings) — better
Positive reviews0.0% of reviews65.0% of reviews — better
Number of ratings1035 — better
Update frequencyEvery 10 daysEvery 8 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS15.615.5 — better
Further details — not scored
Size192 MB130 MB
Age rating4+4+
DeveloperDIGITAL TREASURES CENTER PTE. LTDPolybase Labs

Customer experience

dtcpay

All ratings10 ratings
Positive60.0%
Neutral0.0%
Negative40.0%
Written reviews4 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

Payy

All ratings35 ratings
Positive80.0%
Neutral0.0%
Negative20.0%
Written reviews20 reviews
Positive65.0%
Neutral0.0%
Negative35.0%

In-app purchases

None

dtcpay

No in-app purchases

None

Payy

No in-app purchases

Questions

Is dtcpay free?
dtcpay 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, dtcpay or Payy?
Payy is rated higher. dtcpay averages 3.4 out of 5 from 10 ratings, while Payy averages 4.1 from 35 ratings.
Do dtcpay or Payy have ads?
Neither dtcpay nor Payy shows ads.
Which is updated more often, dtcpay or Payy?
dtcpay ships an update every 10 days, and Payy every 8 days. Most recently, dtcpay was updated on November 7, 2026 and Payy on November 4, 2026.

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