# UCPayWallet vs Stella Pay

The clearest difference is review sentiment: UCPayWallet at 100% against Stella Pay's 50%. UCPayWallet also leads on rating (5.0 vs 3.9). Stella Pay's advantage is ads (none vs shown) and monetization model (free vs ad-supported). On price, ratings volume, update cadence 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.

UCPayWallet holds the better App Store score, 5.0 against 3.9. Both are backed by a comparable volume of ratings — 10 and 7 respectively. Written reviews point the same way: 100% of UCPayWallet's written reviews are positive against 50% of Stella Pay's.

UCPayWallet ships an update every 2 weeks, Stella Pay every 8 days. The most recent releases landed on October 1, 2026 and October 6, 2026 respectively.

## The numbers

| Metric | UCPayWallet | Stella Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (10 ratings)](https://appshunter.io/ios/app/ucpaywallet/id1661777642/reviews)** | [3.9 (7 ratings)](https://appshunter.io/ios/app/stella-pay/id1668957912/reviews) |
| Number of ratings | **10** | 7 |
| Positive reviews | **100.0% of reviews** | 50.0% of reviews |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Every 2 weeks | **Every 8 days** |
| Monetization | Ad-supported | **Free** |
| Size | 120 MB | 81 MB |
| Requires iOS | 15.5 | **15.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 9+ |
| Developer | [UC-pay Canada Ltd](https://appshunter.io/developer/1661777644) | [Flashwire Inc](https://appshunter.io/developer/1668957914) |

## What reviewers say

### UCPayWallet

[App page](https://appshunter.io/ios/app/ucpaywallet/id1661777642)

Manage your daily finances with this app, allowing you to send, spend, store, and convert money globally. It consolidates multiple currency wallets into one and offers a rechargeable payment card for convenient transactions.

**Highlights:** Send, spend, store, and manage money, Convert currency and make global transfers, Consolidate multiple currency wallets, Rechargeable payment card, P2P transfers, Offline cash withdrawals and spending

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

**In-app purchases:** none


### Stella Pay

[App page](https://appshunter.io/ios/app/stella-pay/id1668957912)

This app allows users to pay with cryptocurrency at millions of merchants worldwide using a crypto-backed credit card. It supports various payment platforms and offers features like auto top-up, cash-out to crypto, and ATM withdrawals.

**Highlights:** Pay with crypto at 40M+ merchants, Supports Apple Pay, Google Pay, Alipay, WeChatPay, Auto top-up from crypto to card, Easy cash-out from card to crypto, Instant physical and virtual card transfers, Global ATM cash withdrawal, Tokenized financial products for investment

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is UCPayWallet free?

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

### Is Stella Pay free?

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

### Which has better reviews, UCPayWallet or Stella Pay?

UCPayWallet is rated higher. UCPayWallet averages 5.0 out of 5 from 10 ratings, while Stella Pay averages 3.9 from 7 ratings.

### Do UCPayWallet or Stella Pay have ads?

UCPayWallet shows ads; Stella Pay does not.

### Which is updated more often, UCPayWallet or Stella Pay?

UCPayWallet ships an update every 2 weeks, and Stella Pay every 8 days. Most recently, UCPayWallet was updated on October 1, 2026 and Stella Pay on October 6, 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.*