Stella Pay vs PFCU
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Stella Pay
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.
- 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
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Crypto Credit cards Use Stella card to pay with crypto anytime, anywhere: - Approved by 40M+ merchants worldwide. - Supports Apple Pay, Google Pay, Alipay, WeChatPay, and more. - Covers all your daily payment needs, including shopping, travel, socializing, digital payments! financial services, and more. Simplify your life with Stella's all-in-one card: - Auto top-up from crypto to card with every payment. - Easy cash-out from card to crypto. - Instant physical and virtual card transfers. - Withdraw cash with global ATM access. Innovative tokenized financial products—invest with USDC internet native yield - Diverse products, flexible short-term investments. - High-quality, low-risk investments. - Innovative and compliant, globally accessible. - Streamlined transactions, enhanced efficiency.
PFCU
Manage your finances with this personal financial advocate. Organize transactions with tags and photos, set balance alerts, make payments, and transfer money. Deposit checks, manage debit cards, and aggregate accounts securely.
- Organize transactions with tags, notes, and photos
- Set custom balance alerts
- Make payments and transfer money
- Deposit checks via photo
- Manage debit cards (reorder/turn off)
- Aggregate financial accounts
- Secure login with passcode or biometrics
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PFCU is your personal financial advocate. It’s fast, secure and makes life easier by empowering you with the tools you need to manage your finances. Here’s what you can do with PFCU: Keep your transactions organized by allowing you to add tags, notes and photos of receipts and checks. Set up alerts so you know when your balance drops below a certain amount Make payments, whether you’re paying a company or a friend Transfer money between your accounts Deposit checks in a snap by taking a picture of the front and back Reorder your debit card or turn it off if you’ve misplaced it View and save your monthly statements Find branches and ATMs near you Aggregate your financial accounts Secure your account with a 4-digit passcode or biometric on supported devices.
Screenshots
Verdict
The clearest difference is rating: PFCU at 4.8 against Stella Pay's 3.9. PFCU also leads on ratings volume (835 vs 7) and review sentiment (67% vs 50%). Stella Pay's advantage is update cadence (every 8 days vs monthly) and monetization model (free vs ad-supported). On price, ads, in-app purchases and device support 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
PFCU holds the better App Store score, 4.8 against 3.9. That said, the two scores are not equally well evidenced: PFCU has 835 ratings behind it against 7, so its average is the more settled of the two. Written reviews point the same way: 50% of Stella Pay's written reviews are positive against 67% of PFCU's.
Stella Pay ships an update every 8 days, PFCU monthly. The most recent releases landed on October 6, 2026 and October 19, 2026 respectively.
| Parameter | Stella Pay | PFCU |
|---|---|---|
| Price | Free | Free |
| Rating | 3.9 (7 ratings) | 4.8 (835 ratings) — better |
| Positive reviews | 50.0% of reviews | 66.7% of reviews — better |
| Number of ratings | 7 | 835 — better |
| Update frequency | Every 8 days — better | Monthly |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free — better | Ad-supported |
| Devices | iPhone, iPod | iPhone, iPad |
| Requires iOS | 15.0 — better | 18.4 |
| Further details — not scored | ||
| Size | 81 MB | 196 MB |
| Age rating | 9+ | 4+ |
| Developer | Flashwire Inc | Platinum Federal Credit Union |
Customer experience
Stella Pay
PFCU
In-app purchases
Stella Pay
No in-app purchases
PFCU
No in-app purchases









