# SMJ Smart Scheme vs BigPay Authenticator

The clearest difference is update cadence: BigPay Authenticator at fortnightly against SMJ Smart Scheme's every 2 months. SMJ Smart Scheme's advantage is iOS requirement (13 vs 15.0). On price, ads, in-app purchases and device support there is nothing between them.

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

SMJ Smart Scheme ships an update every 2 months, BigPay Authenticator fortnightly. The most recent releases landed on September 16, 2026 and September 21, 2026 respectively.

## The numbers

| Metric | SMJ Smart Scheme | BigPay Authenticator |
| --- | --- | --- |
| Price | Free | Free |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Fortnightly** |
| Size | 46 MB | 36 MB |
| Requires iOS | **13** | 15.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 17+ |
| Developer | [SRI MADHURA JEWELLERY PRIVATE LIMITED](https://appshunter.io/developer/1666782244) | [BIG PAY PTE. LTD.](https://appshunter.io/developer/1243379689) |

## What reviewers say

### SMJ Smart Scheme

[App page](https://appshunter.io/ios/app/smj-smart-scheme/id1666782242)

**Features:** macOS Compatibility

**In-app purchases:** none


### BigPay Authenticator

[App page](https://appshunter.io/ios/app/bigpay-authenticator/id6760893433)

**Features:** Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is SMJ Smart Scheme free?

SMJ Smart Scheme is free to download, with no in-app purchases.

### Is BigPay Authenticator free?

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

### Do SMJ Smart Scheme or BigPay Authenticator have ads?

Neither SMJ Smart Scheme nor BigPay Authenticator shows ads.

### Which is updated more often, SMJ Smart Scheme or BigPay Authenticator?

SMJ Smart Scheme ships an update every 2 months, and BigPay Authenticator fortnightly. Most recently, SMJ Smart Scheme was updated on September 16, 2026 and BigPay Authenticator on September 21, 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.*