# LAYA vs PassportCard Pay

The clearest difference is rating: LAYA at 4.9 against PassportCard Pay's 3.7. LAYA also leads on update cadence (weekly vs every 3 weeks) and ratings volume (13 vs 3). On price, review sentiment, 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.

LAYA holds the better App Store score, 4.9 against 3.7. Both are backed by a comparable volume of ratings — 13 and 3 respectively. Written reviews split almost evenly too, at 100% and 100% positive.

LAYA ships an update weekly, PassportCard Pay every 3 weeks. The most recent releases landed on October 25, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | LAYA | PassportCard Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (13 ratings)](https://appshunter.io/ios/app/laya/id6449288260/reviews)** | [3.7 (3 ratings)](https://appshunter.io/ios/app/passportcard-pay/id6480104130/reviews) |
| Number of ratings | **13** | 3 |
| Positive reviews | 100.0% of reviews | 100.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Weekly** | Every 3 weeks |
| Monetization | Free | Free |
| Size | 190 MB | 65 MB |
| Requires iOS | **15.0** | 15.1 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Laya](https://appshunter.io/developer/1677395264) | [Passportcard insurance agency 2014 ltd](https://appshunter.io/developer/986312075) |

## What reviewers say

### LAYA

[App page](https://appshunter.io/ios/app/laya/id6449288260)

This digital wallet simplifies international payments with zero currency exchange fees and real-time exchange rates. It offers secure transactions, smart group expense splitting, and direct currency purchases within the app, all managed through a user-friendly Hebrew interface.

**Highlights:** Zero currency exchange fees, Real-time exchange rates, Smart group expense splitting, Secure digital and physical card, Direct currency purchase in-app, Hebrew interface and customer support

**Features:** Apple Wallet

**In-app purchases:** none


### PassportCard Pay

[App page](https://appshunter.io/ios/app/passportcard-pay/id6480104130)

Manage your international shopping experience and save on fees with this AI-powered payment card. It protects you from all domestic and international fees and assists with VAT refunds. Track your purchases and estimated savings in local currency and shekels.

**Highlights:** AI Protector technology for fee protection, Assistance with VAT refunds, Track purchases in local currency and shekels, View estimated savings, Easy signup for PassportCard insurance holders

**Features:** Apple Wallet

**In-app purchases:** none


## Frequently asked questions

### Is LAYA free?

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

### Is PassportCard Pay free?

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

### Which has better reviews, LAYA or PassportCard Pay?

LAYA is rated higher. LAYA averages 4.9 out of 5 from 13 ratings, while PassportCard Pay averages 3.7 from 3 ratings.

### Do LAYA or PassportCard Pay have ads?

Neither LAYA nor PassportCard Pay shows ads.

### Which is updated more often, LAYA or PassportCard Pay?

LAYA ships an update weekly, and PassportCard Pay every 3 weeks. Most recently, LAYA was updated on October 25, 2026 and PassportCard Pay on October 24, 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.*