# U vs PayGuards

The clearest difference is in-app purchases: U at none against PayGuards's 1. U also leads on iOS requirement (12.0 vs 17.0). PayGuards's advantage is update cadence (every 4 months vs every 17 months). On price, ads and device support there is nothing between them.

Both are free to download. PayGuards sells 1 one-off in-app purchase. U asks for nothing beyond the download.

U ships an update every 17 months, PayGuards every 4 months. The most recent releases landed on October 20, 2026 and October 18, 2026 respectively.

## The numbers

| Metric | U | PayGuards |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (1 ratings)](https://appshunter.io/ios/app/u-pay-guard/id1665055558/reviews)** | — |
| Number of ratings | **1** | — |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 17 months | **Every 4 months** |
| Monetization | Free | — |
| Size | 28 MB | 5 MB |
| Requires iOS | **12.0** | 17.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [U-Pay Digital Plc.](https://appshunter.io/developer/1540481315) | [Ali Orkun Ozkul](https://appshunter.io/developer/1880244809) |

## What reviewers say

### U

[App page](https://appshunter.io/ios/app/u-pay-guard/id1665055558)

This app serves as a security key for a business payroll service, providing two-factor authentication to authorize fund transfers. It ensures high security by not operating on rooted or jailbroken devices.

**Highlights:** Two-factor authentication, Fund transfer authorization, Business account security, Rooted/jailbroken device restriction, Simple activation and usage

**Features:** macOS Compatibility

**In-app purchases:** none


### PayGuards

[App page](https://appshunter.io/ios/app/payguards/id6765925187)

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

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| PayGuard Lifetime Pro | $4.99 | one-time |


## Frequently asked questions

### Is U free?

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

### Is PayGuards free?

PayGuards is free to download, with in-app purchases available.

### Do U or PayGuards have ads?

Neither U nor PayGuards shows ads.

### Which is updated more often, U or PayGuards?

U ships an update every 17 months, and PayGuards every 4 months. Most recently, U was updated on October 20, 2026 and PayGuards on October 18, 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.*