Comparison

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.

Head to head
About

Everifin Merchant

Features
Read full description

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.

About

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.

Highlights
  • 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
Features
Read full description

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 don’t 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

Everifin Merchant4 screens
SSV SmartPay Personal4 screens

Verdict

The call

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

CostPrice Β· In-app purchases Β· Ads Β· Monetization

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

UpkeepUpdate frequency

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.

ScorecardNo meaningful differences
Everifin Merchant versus SSV SmartPay Personal: the parameters behind the verdict, then further details
ParameterEverifin MerchantSSV SmartPay Personal
PriceFreeFree
Positive reviewsβ€”100.0% of reviews
Update frequencyEvery 2 monthsEvery 6 weeks β€” better
AdsNoNo
In-app purchasesNoNo
Monetizationβ€”Free
DevicesiPhone, iPad, iPod β€” betteriPhone, iPod
Requires iOS1615.6 β€” better
Further details β€” not scored
Size35 MB60 MB
Age rating4+17+
DeveloperEVERIFIN s.r.o.SSV SMARTPAY Limited

In-app purchases

None

Everifin Merchant

No in-app purchases

None

SSV SmartPay Personal

No in-app purchases

Questions

Is Everifin Merchant free?
Everifin Merchant is free to download, with no in-app purchases.
Is SSV SmartPay Personal free?
SSV SmartPay Personal is free to download, with no in-app purchases.
Do Everifin Merchant or SSV SmartPay Personal have ads?
Neither Everifin Merchant nor SSV SmartPay Personal shows ads.
Which is updated more often, Everifin Merchant or SSV SmartPay Personal?
Everifin Merchant ships an update every 2 months, and SSV SmartPay Personal every 6 weeks. Most recently, Everifin Merchant was updated on October 7, 2026 and SSV SmartPay Personal on October 12, 2026.

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