Stella Pay vs BenPay
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.
BenPay
This app offers a comprehensive on-chain financial experience, integrating crypto payment cards, DeFi Earn, lending, and a decentralized exchange. It simplifies cross-chain transactions and provides easy access to yield opportunities with secure, low-fee trading.
- On-chain financial app
- Crypto payment cards
- DeFi Earn with aggregated tools
- Collateralized lending
- Native DEX services
- Cross-chain asset transactions
- zkLogin one-click access
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BenPay — Your All-in-One On-Chain Financial App BenPay integrates crypto payment cards, DeFi Earn, collateralized lending, and native DEX services to provide global users with a seamless and secure decentralized finance experience. Cross-Chain Made Simple Supports cross-chain asset transactions for over 10 mainstream public chains. Leveraging the BenFen native cross-chain bridge, users can navigate the BenFen ecosystem with just one click. Easy DeFi Earn Offers aggregated tools for top DeFi protocols, enabling one-click access to multi-strategy yield opportunities—lowering barriers to entry and reducing asset allocation costs. Instant Trading Provides native DEX services for low-fee, non-custodial, instant on-chain trading. A Safer, More Cost-Effective Payment System zkLogin One-Click Access: Use Google/Apple accounts to create on-chain identities Stablecoin-as-Gas Payments + sponsored transactions: Ultra-low fees with full transparency BenPay Card with Multiple Options: Compatible with Apple Pay, Alipay, and other mainstream payment methods BenPay — Your Trusted Gateway to Decentralized Finance
Screenshots
Verdict
The clearest difference is review sentiment: BenPay at 100% against Stella Pay's 50%. BenPay also leads on rating (4.8 vs 3.9). 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.
BenPay holds the better App Store score, 4.8 against 3.9. Both are backed by a comparable volume of ratings — 7 and 5 respectively. Written reviews point the same way: 50% of Stella Pay's written reviews are positive against 100% of BenPay's.
Stella Pay ships an update every 8 days, BenPay fortnightly. The most recent releases landed on October 6, 2026 and October 7, 2026 respectively.
| Parameter | Stella Pay | BenPay |
|---|---|---|
| Price | Free | Free |
| Rating | 3.9 (7 ratings) | 4.8 (5 ratings) — better |
| Positive reviews | 50.0% of reviews | 100.0% of reviews — better |
| Number of ratings | 7 — better | 5 |
| Update frequency | Every 8 days — better | Fortnightly |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.0 — better | 15.6 |
| Further details — not scored | ||
| Size | 81 MB | 199 MB |
| Age rating | 9+ | 17+ |
| Developer | Flashwire Inc | Wuben Inc. |
Customer experience
Stella Pay
BenPay
In-app purchases
Stella Pay
No in-app purchases
BenPay
No in-app purchases









