Everifin Merchant vs SSV SmartPay Personal
Price, ratings, monetisation and update history for both apps, side by side β with what reviewers say about each.
Everifin Merchant
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Do you need to comply with the requirement for cashless payments in your business? With the EVERIFIN Merchant app, you get a simple and free solution that requires no payment terminal or cards. Customers simply scan a QR code you generate and confirm the payment on their mobile phone. You receive the money directly in your account β quickly, securely, and conveniently. Key benefits - Account-to-account payments using open banking - No cards, no terminals, no cash - Instant payment confirmation - Suitable for brick-and-mortar businesses and services All in one free app.
SSV SmartPay Personal
This app facilitates quick, secure, and free money transfers within the UK. It allows users to send and receive payments for various purposes, including shopping, rent, and splitting bills, directly from their bank apps. It also supports in-store payments via QR codes at participating retailers.
- Send and receive money
- Split bills and pay rent
- Instant bank transfers
- Pay in-store with QR codes
- Works with major UK banks
- Add personal notes to payments
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SSV SmartPay - The fast, safe, and free way to pay and get paid in the UK. SEND AND RECEIVE MONEY Send and receive money for everything from shopping to splitting dinner or paying rent. Add a personal note to each payment and share it instantly with friends and family. THE EASIEST WAY TO PAY SSV SmartPay works with all major UK Bank Apps, so you donβt need to enter Account Numbers or Sort Codes or worry about using the same bank. Simply tap your friend's name and pay! PAY WITH SSV SMARTPAY AND SUPPORT LOCAL BUSINESSES You can also pay in-store at thousands of UK retailers that accept SSV SmartPay Instant Bank Pay. Scan the SSV SmartPay QR code, pay from your bank app, and go! This convenient payment experience saves you time and helps local businesses save on expensive card processing fees. PAY SECURELY WITH SSV SMARTPAY SSV SmartPay triggers an instant bank transfer between your UK Bank App and your recipient's UK Bank App. The payment is processed instantly (or max up to 2 hrs) and securely by your bank, just like any other bank transfer. The recipient receives funds instantly with zero hassle. Download the free SSV SmartPay app today and make paying friends, family, and businesses easy! You can also learn more by visiting [www.ssvsmartpay.co]
Screenshots
Verdict
Everifin Merchant and SSV SmartPay Personal are too close to call on the numbers: across 6 compared parameters β price, update cadence, ads and in-app purchases among them β neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.
Scored on Price Β· Rating Β· Positive reviews Β· Number of ratings Β· Update frequency Β· Ads Β· In-app purchases Β· Monetization Β· Best chart rank Β· Devices Β· Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Everifin Merchant ships an update every 2 months, SSV SmartPay Personal every 6 weeks. The most recent releases landed on October 7, 2026 and October 12, 2026 respectively.
| Parameter | Everifin Merchant | SSV SmartPay Personal |
|---|---|---|
| Price | Free | Free |
| Positive reviews | β | 100.0% of reviews |
| Update frequency | Every 2 months | Every 6 weeks β better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | β | Free |
| Devices | iPhone, iPad, iPod β better | iPhone, iPod |
| Requires iOS | 16 | 15.6 β better |
| Further details β not scored | ||
| Size | 35 MB | 60 MB |
| Age rating | 4+ | 17+ |
| Developer | EVERIFIN s.r.o. | SSV SMARTPAY Limited |
In-app purchases
Everifin Merchant
No in-app purchases
SSV SmartPay Personal
No in-app purchases
Questions
Is Everifin Merchant free?
Is SSV SmartPay Personal free?
Do Everifin Merchant or SSV SmartPay Personal have ads?
Which is updated more often, Everifin Merchant or SSV SmartPay Personal?
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