Comparison

StellarPay vs HawilPay

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

StellarPay

Send and receive money globally with low fees and real exchange rates. Support family abroad or get paid from anywhere, with transfers arriving in minutes. Offers multiple convenient transfer and receiving options.

Highlights
  • Global money sending and receiving
  • Low fees and real exchange rates
  • Transfers arrive in minutes
  • Multiple payment and receiving options
  • StellarTags for username transfers
  • AI-powered routing for savings
  • 24/7 AI assistant support
Features
Read full description

Products available depend on where you live. Check stellarpay.app or download the app to see what's available for you. Money moves both ways. Finally. Send and receive money globally with StellarPay. Support family back home or abroad in just a few taps. Get paid from anywhere. All with low fees, real exchange rates, and transfers that arrive in minutes. — SEND & RECEIVE GLOBALLY — Send money to Senegal, Ghana, Cameroon, Kenya, Ethiopia, Côte d'Ivoire, and more Receive money back — true bilateral transfers between the US, Canada, and Africa Most transfers arrive in minutes Send via bank account, transfer, mobile money, or card — PAY LESS, SEND MORE — Save 40-60% on every transfer with AI-powered routing Real mid-market exchange rates — no hidden markups Low, transparent fees shown upfront before you send More money in your family's pocket, not ours — SEND MONEY YOUR WAY — StellarTags: Send with just a username — no account numbers needed Save recipients and repeat transfers with one tap Schedule recurring payments for rent, school fees, or support Real-time notifications track every transfer — YOUR FAMILY CHOOSES HOW TO RECEIVE — Mobile money: MTN, Orange Money, Airtel Money, M-Pesa Bank transfers: Access Bank, GTBank, Ecobank, and 50+ partner banks Whatever works best for them — RECEIVE FROM ANYWHERE — Receive money back from family — world's first true bilateral transfers including Africa! Accept funds from mobile money: MTN, Orange Money, Airtel Money, M-Pesa Receive by ACH or Interac e-Transfer right to your bank account in the US or Canada, with more coming soon. All in minutes. — YOUR MONEY IS PROTECTED — Funds held securely with licensed partners Bank-level 256-bit AES encryption on every transaction Biometric authentication — Face ID, Touch ID, fingerprint Two-factor authentication on all account activity Real-time fraud monitoring and instant alerts Freeze or lock your account anytime from the app PCI-DSS compliant payment processing Licensed and regulated money transmission — GEORGE: YOUR 24/7 ASSISTANT — Get instant help in English, French, and Spanish Check rates, track transfers, and get answers fast Available around the clock — no waiting on hold We built StellarPay because we know what it means to support family across borders. This is the app we wished existed. Download StellarPay. Send money home. Receive it back. What's New: Receive money from family directly from their mobile money wallets — finally, it goes both ways! StellarTags: Send with just a username George AI assistant for 24/7 support Real-time transfer tracking Questions? support@stellarpay.app

About

HawilPay

Features
Read full description

Hawill Pay is a fast, secure, and affordable way to send money from the United States to Ethiopia and Somalia. Designed specifically for the East African diaspora, Hawill Pay helps you support your loved ones and manage international payments with ease. Key Features: Instant money transfers, typically delivered in minutes Low-cost, transparent fees and competitive exchange rates Flexible funding options including bank account, debit or credit card Multiple delivery options: mobile wallets, bank deposits, or cash pickup Easy-to-use app with a clean, user-friendly interface End-to-end security with encryption and fraud protection 24/7 customer support to assist with your needs Perfect for families, businesses, and community organizations. Download Hawill Pay today and experience the easiest way to send money home.

Screenshots

StellarPay4 screens
HawilPay4 screens

Verdict

The call

StellarPay and HawilPay are too close to call on the numbers: across 6 compared parameters — price, update cadence, ads and in-app purchases among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

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.

UpkeepUpdate frequency

StellarPay ships an update weekly, HawilPay every 2 weeks. The most recent releases landed on October 16, 2026 and October 7, 2026 respectively.

ScorecardNo meaningful differences
StellarPay versus HawilPay: the parameters behind the verdict, then further details
ParameterStellarPayHawilPay
PriceFreeFree
Rating5.0 (1 ratings) — better—
Number of ratings1 — better—
Update frequencyWeekly — betterEvery 2 weeks
AdsYesYes
In-app purchasesNoNo
MonetizationAd-supported—
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.1 — better15.5
Further details — not scored
Size163 MB51 MB
Age rating4+4+
DeveloperStellar TechnologiesCommerce 360 Inc

In-app purchases

None

StellarPay

No in-app purchases

None

HawilPay

No in-app purchases

Questions

Is StellarPay free?
StellarPay is free to download, with no in-app purchases.
Is HawilPay free?
HawilPay is free to download, with no in-app purchases.
Do StellarPay or HawilPay have ads?
Both StellarPay and HawilPay show ads.
Which is updated more often, StellarPay or HawilPay?
StellarPay ships an update weekly, and HawilPay every 2 weeks. Most recently, StellarPay was updated on October 16, 2026 and HawilPay on October 7, 2026.

Other comparisons