# 1stPayMobile vs HBL Microfinance

The clearest difference is rating: 1stPayMobile at 3.7 against HBL Microfinance's 3.4. 1stPayMobile also leads on review sentiment (33% vs 17%) and iOS requirement (9.2 vs 15.6). HBL Microfinance's advantage is update cadence (every 2 months vs every 5 months). On price, ratings volume, ads and in-app purchases there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

1stPayMobile holds the better App Store score, 3.7 against 3.4. Both are backed by a comparable volume of ratings — 23 and 21 respectively. Written reviews point the same way: 33% of 1stPayMobile's written reviews are positive against 17% of HBL Microfinance's.

1stPayMobile ships an update every 5 months, HBL Microfinance every 2 months. The most recent releases landed on October 7, 2026 and October 6, 2026 respectively.

## The numbers

| Metric | 1stPayMobile | HBL Microfinance |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.7 (23 ratings)](https://appshunter.io/ios/app/1stpaymobile/id597498242/reviews)** | [3.4 (21 ratings)](https://appshunter.io/ios/app/hbl-microfinance/id1463030414/reviews) |
| Number of ratings | **23** | 21 |
| Positive reviews | **33.3% of reviews** | 16.7% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 months | **Every 2 months** |
| Monetization | Free | Free |
| Size | 50 MB | 201 MB |
| Requires iOS | **9.2** | 15.6 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [1stPayGateway, LLC](https://appshunter.io/developer/597498245) | [FMFB Pakistan](https://appshunter.io/developer/1364824103) |

## What reviewers say

### 1stPayMobile

[App page](https://appshunter.io/ios/app/1stpaymobile/id597498242)

Accept credit card payments anywhere with this mobile solution. It securely processes transactions, captures signatures, and sends digital receipts. Ideal for businesses and nonprofits needing flexible payment options on the go.

**Highlights:** Swipe or key credit card payments, Secure mobile payments, Signature capture, Email and text receipts, Offline transaction processing, Recurring billing, Mobile report summaries

**Features:** macOS Compatibility

**In-app purchases:** none


### HBL Microfinance

[App page](https://appshunter.io/ios/app/hbl-microfinance/id1463030414)

Manage your finances with this all-in-one banking and mobile wallet app. Send money, pay bills, recharge your phone, and apply for instant digital loans securely. Open a digital account and wallet for convenient mobile banking.

**Highlights:** Send and receive money instantly, Pay utility bills digitally, Recharge mobile load and bundles, Apply for instant digital loans, Manage bank account and debit card, Open digital bank account and wallet

**Features:** Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is 1stPayMobile free?

1stPayMobile is free to download, with no in-app purchases.

### Is HBL Microfinance free?

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

### Which has better reviews, 1stPayMobile or HBL Microfinance?

1stPayMobile is rated higher. 1stPayMobile averages 3.7 out of 5 from 23 ratings, while HBL Microfinance averages 3.4 from 21 ratings.

### Do 1stPayMobile or HBL Microfinance have ads?

Neither 1stPayMobile nor HBL Microfinance shows ads.

### Which is updated more often, 1stPayMobile or HBL Microfinance?

1stPayMobile ships an update every 5 months, and HBL Microfinance every 2 months. Most recently, 1stPayMobile was updated on October 7, 2026 and HBL Microfinance on October 6, 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.*