# Stella Pay vs Mipay

The clearest difference is review sentiment: Stella Pay at 50% against Mipay's 0%. Stella Pay also leads on rating (3.9 vs 2.7) and update cadence (every 8 days vs every 5 months). Mipay's advantage is iOS requirement (13.0 vs 15.0). On price, ratings volume, ads and in-app purchases there is nothing between them.

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

Stella Pay holds the better App Store score, 3.9 against 2.7. Both are backed by a comparable volume of ratings — 7 and 11 respectively. Written reviews point the same way: 50% of Stella Pay's written reviews are positive against 0% of Mipay's.

Stella Pay ships an update every 8 days, Mipay every 5 months. The most recent releases landed on October 6, 2026 and October 2, 2026 respectively.

## The numbers

| Metric | Stella Pay | Mipay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.9 (7 ratings)](https://appshunter.io/ios/app/stella-pay/id1668957912/reviews)** | [2.7 (11 ratings)](https://appshunter.io/ios/app/mipay/id6476452609/reviews) |
| Number of ratings | 7 | **11** |
| Positive reviews | **50.0% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 8 days** | Every 5 months |
| Monetization | Free | Free |
| Size | 81 MB | 37 MB |
| Requires iOS | 15.0 | **13.0** |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 9+ | 4+ |
| Developer | [Flashwire Inc](https://appshunter.io/developer/1668957914) | [MI FU APP SG PTE. LTD.](https://appshunter.io/developer/1726786728) |

## 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


### Mipay

[App page](https://appshunter.io/ios/app/mipay/id6476452609)

This app facilitates international money transfers and Mastercard top-ups for millions of users worldwide. It offers multi-currency accounts for easy management and secure cross-border transactions.

**Highlights:** International money transfers, Mastercard top-ups, Multi-currency accounts, Cross-border transactions, Secure and convenient

**In-app purchases:** none


## Frequently asked questions

### Is Stella Pay free?

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

### Is Mipay free?

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

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

Stella Pay is rated higher. Stella Pay averages 3.9 out of 5 from 7 ratings, while Mipay averages 2.7 from 11 ratings.

### Do Stella Pay or Mipay have ads?

Neither Stella Pay nor Mipay shows ads.

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

Stella Pay ships an update every 8 days, and Mipay every 5 months. Most recently, Stella Pay was updated on October 6, 2026 and Mipay on October 2, 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.*