Comparison

Stella Pay vs Sunrate

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

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.

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
Read full description

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.

About

Sunrate

This platform facilitates global business payments, offering international money transfers, commercial card management, and global collection services. It empowers businesses to operate and scale internationally with a cutting-edge platform and extensive network.

Highlights
  • International payments in 130+ currencies
  • Coverage in 190+ countries
  • Commercial card management
  • Global collection services
  • Real-time transaction statements
  • API integration
Features
Read full description

Sunrate is a leading global payment and treasury management platform for businesses worldwide. Founded in 2016, Sunrate has enabled companies to operate and scale locally and globally across more than 190 countries and regions through its cutting-edge infrastructure, extensive global network, and unified solutions. How Sunrate empowers your business International Payments -Make seamless payments to more than 190 countries and regions. -Send payments in over 130 currencies. -Leverage local payment networks across Hong Kong, the US, Europe, the UK, Southeast Asia, and beyond. Currency Conversion -Convert currencies conveniently and instantly at competitive exchange rates. -Access real-time exchange rates and complete conversions whenever your business needs them. Commercial Cards -Benefit from Sunrate’s Principal Membership of both the Mastercard and Visa networks. -Settle transactions directly in more than 15 currencies. -Customise key parameters such as card spending limits. Global Collection -Collect payments globally in more than 30 currencies. -Clear funds through our local networks in over 10 currencies. Why use the Sunrate app? The Sunrate app gives you convenient access to essential business payment and treasury management functions. Manage your commercial cards, view real-time transaction records, monitor your accounts, make payments, and convert currencies wherever you are. Manage your global business on the go and respond to diverse payment needs directly from your mobile device.

Screenshots

Stella Pay4 screens
Sunrate4 screens

Verdict

The call

The clearest difference is review sentiment: Stella Pay at 50% against Sunrate's 0%. Stella Pay also leads on rating (3.9 vs 2.3) and update cadence (every 8 days vs every 3 months). On price, ratings volume, ads and in-app purchases 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

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

Stella Pay holds the better App Store score, 3.9 against 2.3. Both are backed by a comparable volume of ratings — 7 and 3 respectively. Written reviews point the same way: 50% of Stella Pay's written reviews are positive against 0% of Sunrate's.

UpkeepUpdate frequency

Stella Pay ships an update every 8 days, Sunrate every 3 months. The most recent releases landed on October 6, 2026 and September 30, 2026 respectively.

Scorecard3 real differences · 7 level
Stella Pay versus Sunrate: the parameters behind the verdict, then further details
ParameterStella PaySunrate
PriceFreeFree
Rating3.9 (7 ratings) — better2.3 (3 ratings)
Positive reviews50.0% of reviews — better0.0% of reviews
Number of ratings7 — better3
Update frequencyEvery 8 days — betterEvery 3 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.0 — better15.1
Further details — not scored
Size81 MB193 MB
Age rating9+4+
DeveloperFlashwire IncSunrate Pte. Ltd.

Customer experience

Stella Pay

All ratings7 ratings
Positive71.4%
Neutral0.0%
Negative28.6%
Written reviews4 reviews
Positive50.0%
Neutral0.0%
Negative50.0%

Sunrate

All ratings3 ratings
Positive33.3%
Neutral0.0%
Negative66.7%
Written reviews1 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

In-app purchases

None

Stella Pay

No in-app purchases

None

Sunrate

No in-app purchases

Questions

Is Stella Pay free?
Stella Pay is free to download, with no in-app purchases.
Is Sunrate free?
Sunrate is free to download, with no in-app purchases.
Which has better reviews, Stella Pay or Sunrate?
Stella Pay is rated higher. Stella Pay averages 3.9 out of 5 from 7 ratings, while Sunrate averages 2.3 from 3 ratings.
Do Stella Pay or Sunrate have ads?
Neither Stella Pay nor Sunrate shows ads.
Which is updated more often, Stella Pay or Sunrate?
Stella Pay ships an update every 8 days, and Sunrate every 3 months. Most recently, Stella Pay was updated on October 6, 2026 and Sunrate on September 30, 2026.

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