# Stella Pay vs BenPay

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.

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.

## The numbers

| Metric | Stella Pay | BenPay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.9 (7 ratings)](https://appshunter.io/ios/app/stella-pay/id1668957912/reviews) | **[4.8 (5 ratings)](https://appshunter.io/ios/app/benpay/id6618115564/reviews)** |
| Number of ratings | **7** | 5 |
| Positive reviews | 50.0% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 8 days** | Fortnightly |
| Monetization | Free | Free |
| Size | 81 MB | 199 MB |
| Requires iOS | **15.0** | 15.6 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 9+ | 17+ |
| Developer | [Flashwire Inc](https://appshunter.io/developer/1668957914) | [Wuben Inc.](https://appshunter.io/developer/1761726537) |

## 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


### BenPay

[App page](https://appshunter.io/ios/app/benpay/id6618115564)

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

**In-app purchases:** none


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*