# Stella Pay vs Pay.Cool+

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.

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.

## The numbers

| Metric | Stella Pay | Pay.Cool+ |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.9 (7 ratings)](https://appshunter.io/ios/app/stella-pay/id1668957912/reviews) | **[5.0 (14 ratings)](https://appshunter.io/ios/app/paycool-plus/id6477788800/reviews)** |
| Number of ratings | 7 | **14** |
| Positive reviews | 50.0% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 8 days | **Weekly** |
| Monetization | Free | Free |
| Size | 81 MB | 71 MB |
| Requires iOS | 15.0 | **12** |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 9+ | 17+ |
| Developer | [Flashwire Inc](https://appshunter.io/developer/1668957914) | [Exchangily LLC](https://appshunter.io/developer/1503068551) |

## 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


### Pay.Cool+

[App page](https://appshunter.io/ios/app/paycool-plus/id6477788800)

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.

**Highlights:** Web3 platform and wallet, Consumer-merchant model, Earn crypto token rewards, Free membership, Shop with enabled merchants

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Stella Pay free?

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

### Is Pay.Cool+ free?

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

### Which has better reviews, Stella Pay or Pay.Cool+?

Pay.Cool+ is rated higher. Stella Pay averages 3.9 out of 5 from 7 ratings, while Pay.Cool+ averages 5.0 from 14 ratings.

### Do Stella Pay or Pay.Cool+ have ads?

Neither Stella Pay nor Pay.Cool+ shows ads.

### Which is updated more often, Stella Pay or Pay.Cool+?

Stella Pay ships an update every 8 days, and Pay.Cool+ weekly. Most recently, Stella Pay was updated on October 6, 2026 and Pay.Cool+ on October 10, 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.*