# HTSmartPay vs LFPay

The clearest difference is update cadence: LFPay at weekly against HTSmartPay's every 2 weeks. HTSmartPay's advantage is iOS requirement (12.0 vs 15.0). On price, rating, ratings volume 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.

On the App Store both sit at effectively the same score — 5.0 for HTSmartPay against 5.0 for LFPay. Both are backed by a comparable volume of ratings — 5 and 5 respectively.

HTSmartPay ships an update every 2 weeks, LFPay weekly. The most recent releases landed on October 4, 2026 and September 30, 2026 respectively.

## The numbers

| Metric | HTSmartPay | LFPay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [5.0 (5 ratings)](https://appshunter.io/ios/app/htsmartpay/id6444838592/reviews) | [5.0 (5 ratings)](https://appshunter.io/ios/app/lfpay/id6753140708/reviews) |
| Number of ratings | 5 | 5 |
| Positive reviews | — | 100.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 weeks | **Weekly** |
| Monetization | Free | Free |
| Size | 47 MB | 87 MB |
| Requires iOS | **12.0** | 15.0 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 17+ | 17+ |
| Developer | [HT SMARTPAY COMPANY LIMITED](https://appshunter.io/developer/1657211352) | [Laos Financial Technology Co.,Ltd](https://appshunter.io/developer/1815137042) |

## What reviewers say

### HTSmartPay

[App page](https://appshunter.io/ios/app/htsmartpay/id6444838592)

This finance app offers convenient payment services for essential utilities like phone bills and electricity. It also supports payments at offline stores. More features are planned for future updates.

**Highlights:** Phone bill top-up, Offline store payments, Electricity bill payment, Essential utility services, Future feature updates

**Features:** macOS Compatibility

**In-app purchases:** none


### LFPay

[App page](https://appshunter.io/ios/app/lfpay/id6753140708)

This app provides a secure and convenient mobile payment and e-wallet service. It allows users to manage funds, make QR code payments, and access various life services through a unified platform for individuals, merchants, and agents.

**Highlights:** E-wallet account management, Fund transfers and balance inquiry, QR code payment and collection, Merchant transaction management, Access to lifestyle services, Unified platform for multiple roles

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is HTSmartPay free?

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

### Is LFPay free?

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

### Which has better reviews, HTSmartPay or LFPay?

HTSmartPay and LFPay are both rated 5.0 out of 5 on the App Store, from 5 and 5 ratings respectively.

### Do HTSmartPay or LFPay have ads?

Neither HTSmartPay nor LFPay shows ads.

### Which is updated more often, HTSmartPay or LFPay?

HTSmartPay ships an update every 2 weeks, and LFPay weekly. Most recently, HTSmartPay was updated on October 4, 2026 and LFPay on September 30, 2026.

---

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