# PeYa Pay vs SmartFin

The clearest difference is rating: SmartFin at 4.8 against PeYa Pay's 2.0. SmartFin also leads on ratings volume (5 vs 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.

SmartFin holds the better App Store score, 4.8 against 2.0. That said, the two scores are not equally well evidenced: SmartFin has 5 ratings behind it against 1, so its average is the more settled of the two.

PeYa Pay ships an update every 4 weeks, SmartFin every 2 weeks. The most recent releases landed on November 3, 2026 and November 4, 2026 respectively.

## The numbers

| Metric | PeYa Pay | SmartFin |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.0 (1 ratings)](https://appshunter.io/ios/app/peya-pay/id1660921271/reviews) | **[4.8 (5 ratings)](https://appshunter.io/ios/app/smartfin-app/id6474931765/reviews)** |
| Number of ratings | 1 | **5** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 4 weeks | **Every 2 weeks** |
| Monetization | Free | Free |
| Size | 108 MB | 183 MB |
| Requires iOS | 15.5 | **15.0** |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [DJOGANA MONEY SERVICES S.A](https://appshunter.io/developer/1660921273) | [Colombe Djirebo](https://appshunter.io/developer/1722327934) |

## What reviewers say

### PeYa Pay

[App page](https://appshunter.io/ios/app/peya-pay/id1660921271)

This app offers innovative payment and service solutions, integrating banking and payment methods with virtual and physical accounts. It aims to promote financial inclusion by enabling businesses to capture financial flows, especially from the informal sector, through prepaid accounts.

**Highlights:** Integrated banking and payment system, Virtual and physical account synergy, Financial inclusion tool, Prepaid account services, Value-added services

**Features:** Vision Pro support

**In-app purchases:** none


### SmartFin

[App page](https://appshunter.io/ios/app/smartfin-app/id6474931765)

Manage your wealth, credits, personal budgets, and investments with this innovative personal finance tool. It offers a simple and effective way to oversee your financial assets and make informed investment decisions.

**Highlights:** Wealth management, Credit tracking, Personal budgeting, Investment management, Financial planning

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

**In-app purchases:** none


## Frequently asked questions

### Is PeYa Pay free?

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

### Is SmartFin free?

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

### Which has better reviews, PeYa Pay or SmartFin?

SmartFin is rated higher. PeYa Pay averages 2.0 out of 5 from 1 ratings, while SmartFin averages 4.8 from 5 ratings.

### Do PeYa Pay or SmartFin have ads?

Neither PeYa Pay nor SmartFin shows ads.

### Which is updated more often, PeYa Pay or SmartFin?

PeYa Pay ships an update every 4 weeks, and SmartFin every 2 weeks. Most recently, PeYa Pay was updated on November 3, 2026 and SmartFin on November 4, 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.*