# 福卡 vs LM Pay

The clearest difference is rating: LM Pay at 5.0 against 福卡's 3.7. LM Pay also leads on iOS requirement (10.0 vs 16.0). 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.

LM Pay holds the better App Store score, 5.0 against 3.7. Both are backed by a comparable volume of ratings — 3 and 2 respectively.

Both ship on a similar rhythm, roughly every 3 weeks. The most recent releases landed on October 5, 2026 and October 20, 2026 respectively.

## The numbers

| Metric | 福卡 | LM Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.7 (3 ratings)](https://appshunter.io/ios/app/id584306477/reviews) | **[5.0 (2 ratings)](https://appshunter.io/ios/app/lm-pay/id1529720152/reviews)** |
| Number of ratings | **3** | 2 |
| Positive reviews | 66.7% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 weeks | Every 3 weeks |
| Monetization | — | Free |
| Size | 64 MB | 172 MB |
| Requires iOS | 16.0 | **10.0** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [YuFu Network Technology Co.,Ltd](https://appshunter.io/developer/584306480) | [LM PAY PLC](https://appshunter.io/developer/1529720154) |

## What reviewers say

### 福卡

[App page](https://appshunter.io/ios/app/id584306477)

**Features:** macOS Compatibility

**In-app purchases:** none


### LM Pay

[App page](https://appshunter.io/ios/app/lm-pay/id1529720152)

This mobile payment assistant simplifies transactions for goods and services, offering discounts across various scenarios like ride-hailing, dining, and travel. It also facilitates secure money transfers between users with 24/7 encryption and transaction tracking.

**Highlights:** Discounted payments for goods and services, Online and offline payment options, Send and request money between users, Multiple credit refill channels, Secure transaction tracking, VIP concierge services

**In-app purchases:** none


## Frequently asked questions

### Is 福卡 free?

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

### Is LM Pay free?

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

### Which has better reviews, 福卡 or LM Pay?

LM Pay is rated higher. 福卡 averages 3.7 out of 5 from 3 ratings, while LM Pay averages 5.0 from 2 ratings.

### Do 福卡 or LM Pay have ads?

Neither 福卡 nor LM Pay shows ads.

### Which is updated more often, 福卡 or LM Pay?

福卡 ships an update every 3 weeks, and LM Pay every 3 weeks. Most recently, 福卡 was updated on October 5, 2026 and LM Pay on October 20, 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.*