Stella Pay vs Pay.Cool+
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.
Pay.Cool+
This platform allows users to earn crypto rewards by shopping with participating merchants. Members can receive tokens that may cover their spending or offer additional earnings.
- Web3 platform and wallet
- Consumer-merchant model
- Earn crypto token rewards
- Free membership
- Shop with enabled merchants
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Web3 platform built on top of high-performance blockchain (FAB), Pay.Cool features with comsumerchant model. Pay.Cool is built with a brand new business model, consumers join Pay.Cool as members for free, shop from Pay.Cool enabled merchants and pay with Pay.Cool, will get rewards of crypto tokens, those tokens give the consumer a chance to earn back the spending of the shopping or even more.
Screenshots
Verdict
The clearest difference is review sentiment: Pay.Cool+ at 100% against Stella Pay's 50%. Pay.Cool+ also leads on rating (5.0 vs 3.9) and iOS requirement (12 vs 15.0). On price, ratings volume, update cadence and ads 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.
Pay.Cool+ holds the better App Store score, 5.0 against 3.9. Both are backed by a comparable volume of ratings — 7 and 14 respectively. Written reviews point the same way: 50% of Stella Pay's written reviews are positive against 100% of Pay.Cool+'s.
Stella Pay ships an update every 8 days, Pay.Cool+ weekly. The most recent releases landed on October 6, 2026 and October 10, 2026 respectively.
| Parameter | Stella Pay | Pay.Cool+ |
|---|---|---|
| Price | Free | Free |
| Rating | 3.9 (7 ratings) | 5.0 (14 ratings) — better |
| Positive reviews | 50.0% of reviews | 100.0% of reviews — better |
| Number of ratings | 7 | 14 — better |
| Update frequency | Every 8 days | Weekly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 15.0 | 12 — better |
| Further details — not scored | ||
| Size | 81 MB | 71 MB |
| Age rating | 9+ | 17+ |
| Developer | Flashwire Inc | Exchangily LLC |
Customer experience
Stella Pay
Pay.Cool+
In-app purchases
Stella Pay
No in-app purchases
Pay.Cool+
No in-app purchases
