Comparison

Stella Pay vs UPay Wallet

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

UPay Wallet

This comprehensive digital finance platform merges cryptocurrency with traditional banking services. It offers a secure, intuitive Web3 wallet, multi-currency crypto cards, and global currency exchange. The app also provides flexible crypto finance solutions for financial growth and borderless remittance services.

Highlights
  • Web3 Wallet supporting major cryptocurrencies
  • Multi-currency crypto cards
  • Global currency exchange
  • Crypto-to-fiat conversion
  • Yield-generating crypto finance solutions
  • Borderless remittance service
  • Integration with Apple Pay and Google Pay
Features
Read full description

UPay redefines digital finance through its comprehensive banking platform that seamlessly merges cryptocurrency with traditional financial services. As a fintech innovator, we deliver secure, intuitive solutions designed for the modern digital economy. Our ecosystem combines institutional-grade security with user-friendly functionality, offering individuals and businesses unprecedented control over their financial future.At the heart of our platform lies the UPay Web3 Wallet - a sophisticated yet accessible solution supporting major cryptocurrencies including BTC, ETH, USDT, and USDC. Beyond simple storage, our wallet serves as a gateway to an integrated financial ecosystem featuring multi-currency crypto cards, intelligent finance management, and global currency exchange services. Security remains paramount, with military-grade encryption, two-factor authentication, and blockchain-powered safeguards ensuring complete asset protection. Our payment solutions break down financial barriers, offering instant crypto-to-fiat conversion across eight major currencies (USD, EUR, JPY, GBP, CNY, CAD, AUD, HKD) through virtual and physical cards accepted worldwide. Fully compatible with Apple Pay and Google Pay, our cards provide competitive exchange rates and customizable spending limits - all managed effortlessly via the UPay app. We empower financial growth through flexible crypto finance solutions offering daily-compounded returns on both demand deposits and fixed-term (30/60/90 day) investments. Our borderless remittance service enables rapid, low-cost transfers between crypto and traditional currencies, simplifying both personal and business transactions. What sets UPay apart is our ability to transform complex blockchain technology into intuitive financial tools. Our three-pillar ecosystem - smart wallet, crypto payment solutions, and yield-generating products - establishes new standards in digital asset management. Built on robust blockchain architecture with 24/7 dedicated support, we guarantee swift, secure transactions meeting institutional security standards. More than a service provider, UPay represents a financial revolution. We're creating a world where geographical boundaries and institutional limitations no longer constrain economic opportunity. For crypto enthusiasts, international professionals, and forward-thinking individuals alike, UPay delivers a secure, seamless gateway to the future of finance - where innovation meets accessibility, and technology serves human needs.

Screenshots

Stella Pay4 screens
UPay Wallet4 screens

Verdict

The call

The clearest difference is rating: Stella Pay at 3.9 against UPay Wallet's 2.6. Stella Pay also leads on update cadence (weekly vs every 6 weeks). On price, review sentiment, ratings volume 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

Stella Pay holds the better App Store score, 3.9 against 2.6. Both are backed by a comparable volume of ratings — 7 and 7 respectively. Written reviews complicate that: 50% of Stella Pay's written reviews are positive against 55% of UPay Wallet's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Stella Pay ships an update weekly, UPay Wallet every 6 weeks. The most recent releases landed on October 27, 2026 and October 24, 2026 respectively.

Scorecard2 real differences · 8 level
Stella Pay versus UPay Wallet: the parameters behind the verdict, then further details
ParameterStella PayUPay Wallet
PriceFreeFree
Rating3.9 (7 ratings) — better2.6 (7 ratings)
Positive reviews50.0% of reviews54.5% of reviews — better
Number of ratings77
Update frequencyWeekly — betterEvery 6 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad
Requires iOS15.0 — better16.6
Further details — not scored
Size81 MB164 MB
Age rating9+17+
DeveloperFlashwire IncUPay Technology LTD.

Customer experience

Stella Pay

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

UPay Wallet

All ratings6 ratings
Positive50.0%
Neutral0.0%
Negative50.0%
Written reviews11 reviews
Positive54.5%
Neutral0.0%
Negative45.5%

In-app purchases

None

Stella Pay

No in-app purchases

None

UPay Wallet

No in-app purchases

Questions

Is Stella Pay free?
Stella Pay is free to download, with no in-app purchases.
Is UPay Wallet free?
UPay Wallet is free to download, with no in-app purchases.
Which has better reviews, Stella Pay or UPay Wallet?
Stella Pay is rated higher. Stella Pay averages 3.9 out of 5 from 7 ratings, while UPay Wallet averages 2.6 from 7 ratings.
Do Stella Pay or UPay Wallet have ads?
Neither Stella Pay nor UPay Wallet shows ads.
Which is updated more often, Stella Pay or UPay Wallet?
Stella Pay ships an update weekly, and UPay Wallet every 6 weeks. Most recently, Stella Pay was updated on October 27, 2026 and UPay Wallet on October 24, 2026.

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