# Stella Pay vs PFCU

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.

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.

## The numbers

| Metric | Stella Pay | PFCU |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.9 (7 ratings)](https://appshunter.io/ios/app/stella-pay/id1668957912/reviews) | **[4.8 (835 ratings)](https://appshunter.io/ios/app/pfcu/id6450965678/reviews)** |
| Number of ratings | 7 | **835** |
| Positive reviews | 50.0% of reviews | **66.7% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 8 days** | Monthly |
| Monetization | **Free** | Ad-supported |
| Size | 81 MB | 196 MB |
| Requires iOS | **15.0** | 18.4 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 9+ | 4+ |
| Developer | [Flashwire Inc](https://appshunter.io/developer/1668957914) | [Platinum Federal Credit Union](https://appshunter.io/developer/477217570) |

## What reviewers say

### 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


### PFCU

[App page](https://appshunter.io/ios/app/pfcu/id6450965678)

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.

**Highlights:** 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

**Features:** Apple Wallet

**In-app purchases:** none


## Frequently asked questions

### Is Stella Pay free?

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

### Is PFCU free?

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

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

PFCU is rated higher. Stella Pay averages 3.9 out of 5 from 7 ratings, while PFCU averages 4.8 from 835 ratings.

### Do Stella Pay or PFCU have ads?

Neither Stella Pay nor PFCU shows ads.

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

Stella Pay ships an update every 8 days, and PFCU monthly. Most recently, Stella Pay was updated on October 6, 2026 and PFCU on October 19, 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.*