# Pinspay vs Topratepay

The clearest difference is update cadence: Pinspay at monthly against Topratepay's every 14 months. On price, ads, in-app purchases and device support there is nothing between them.

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

Pinspay ships an update monthly, Topratepay every 14 months. The most recent releases landed on September 9, 2026 and July 8, 2026 respectively.

## The numbers

| Metric | Pinspay | Topratepay |
| --- | --- | --- |
| Price | Free | Free |
| Positive reviews | — | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Monthly** | Every 14 months |
| Monetization | — | Free |
| Size | 31 MB | 40 MB |
| Requires iOS | 15.6 | **15.1** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [PINSPAYMENT TECH LTD](https://appshunter.io/developer/1699467035) | [Toprate Mutual Finance Limited](https://appshunter.io/developer/1721694755) |

## What reviewers say

### Pinspay

[App page](https://appshunter.io/ios/app/pinspay/id6453637586)

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

**In-app purchases:** none


### Topratepay

[App page](https://appshunter.io/ios/app/topratepay/id6474469336)

Easily and securely send money to friends and family with this intuitive mobile app. Enjoy swift, reliable transactions with bank-level security and real-time notifications. Designed for simplicity, it accommodates various payment methods for a worry-free experience.

**Highlights:** Effortless money transfers, Instant transaction speed, Bank-level security encryption, Real-time transfer notifications, User-friendly interface, Multiple payment method support

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Pinspay free?

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

### Is Topratepay free?

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

### Do Pinspay or Topratepay have ads?

Neither Pinspay nor Topratepay shows ads.

### Which is updated more often, Pinspay or Topratepay?

Pinspay ships an update monthly, and Topratepay every 14 months. Most recently, Pinspay was updated on September 9, 2026 and Topratepay on July 8, 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.*