Comparison

Stella Pay vs BenPay

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

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.

Highlights
  • 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
Read full description

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

Stella Pay4 screens
BenPay3 screens

Verdict

The call

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

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

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.

UpkeepUpdate frequency

Stella Pay ships an update every 8 days, BenPay fortnightly. The most recent releases landed on October 6, 2026 and October 7, 2026 respectively.

Scorecard2 real differences · 8 level
Stella Pay versus BenPay: the parameters behind the verdict, then further details
ParameterStella PayBenPay
PriceFreeFree
Rating3.9 (7 ratings)4.8 (5 ratings) — better
Positive reviews50.0% of reviews100.0% of reviews — better
Number of ratings7 — better5
Update frequencyEvery 8 days — betterFortnightly
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.0 — better15.6
Further details — not scored
Size81 MB199 MB
Age rating9+17+
DeveloperFlashwire IncWuben Inc.

Customer experience

Stella Pay

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

BenPay

All ratings5 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews4 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

Stella Pay

No in-app purchases

None

BenPay

No in-app purchases

Questions

Is Stella Pay free?
Stella Pay is free to download, with no in-app purchases.
Is BenPay free?
BenPay is free to download, with no in-app purchases.
Which has better reviews, Stella Pay or BenPay?
BenPay is rated higher. Stella Pay averages 3.9 out of 5 from 7 ratings, while BenPay averages 4.8 from 5 ratings.
Do Stella Pay or BenPay have ads?
Neither Stella Pay nor BenPay shows ads.
Which is updated more often, Stella Pay or BenPay?
Stella Pay ships an update every 8 days, and BenPay fortnightly. Most recently, Stella Pay was updated on October 6, 2026 and BenPay on October 7, 2026.

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