Sunrate vs Payy
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Sunrate
This platform facilitates global business payments, offering international money transfers, commercial card management, and global collection services. It empowers businesses to operate and scale internationally with a cutting-edge platform and extensive network.
- International payments in 130+ currencies
- Coverage in 190+ countries
- Commercial card management
- Global collection services
- Real-time transaction statements
- API integration
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Sunrate is a leading global payment and treasury management platform for businesses worldwide. Founded in 2016, Sunrate has enabled companies to operate and scale locally and globally across more than 190 countries and regions through its cutting-edge infrastructure, extensive global network, and unified solutions. How Sunrate empowers your business International Payments -Make seamless payments to more than 190 countries and regions. -Send payments in over 130 currencies. -Leverage local payment networks across Hong Kong, the US, Europe, the UK, Southeast Asia, and beyond. Currency Conversion -Convert currencies conveniently and instantly at competitive exchange rates. -Access real-time exchange rates and complete conversions whenever your business needs them. Commercial Cards -Benefit from Sunrate’s Principal Membership of both the Mastercard and Visa networks. -Settle transactions directly in more than 15 currencies. -Customise key parameters such as card spending limits. Global Collection -Collect payments globally in more than 30 currencies. -Clear funds through our local networks in over 10 currencies. Why use the Sunrate app? The Sunrate app gives you convenient access to essential business payment and treasury management functions. Manage your commercial cards, view real-time transaction records, monitor your accounts, make payments, and convert currencies wherever you are. Manage your global business on the go and respond to diverse payment needs directly from your mobile device.
Payy
This app offers a global money transfer solution, enabling easy and private digital payments. Send stablecoins using payment links, and enjoy financial freedom without the risk of account suspension or freezing. A debit card is also available for spending.
- Send stablecoins with payment links
- No account freezing or suspension
- User-controlled funds
- Payy Card for spending
- Easy and private digital money
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Payy is the global money app for everyone. Other money apps have fees, limits and delays. Blockchains are clunky and unsafe. Payy is a new financial system built from the ground up to make digital money easy & private. • Send stablecoins with magical payment links — the receiver doesn’t even need to have Payy. • Never get debanked. Your account can never be frozen or suspended. Funds on Payy are controlled by you, not some bank. • Payy Card (limited availability) — spend stablecoins online or in shops, with unrivaled privacy.
Screenshots
Verdict
The clearest difference is review sentiment: Payy at 65% against Sunrate's 0%. Payy also leads on rating (4.1 vs 2.3) and update cadence (weekly vs every 4 months). On price, ads, in-app purchases and monetization model there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Payy holds the better App Store score, 4.1 against 2.3. That said, the two scores are not equally well evidenced: Payy has 35 ratings behind it against 3, so its average is the more settled of the two. Written reviews point the same way: 0% of Sunrate's written reviews are positive against 65% of Payy's.
Sunrate ships an update every 4 months, Payy weekly. The most recent releases landed on August 31, 2026 and August 28, 2026 respectively.
| Parameter | Sunrate | Payy |
|---|---|---|
| Price | Free | Free |
| Rating | 2.3 (3 ratings) | 4.1 (35 ratings) — better |
| Positive reviews | 0.0% of reviews | 65.0% of reviews — better |
| Number of ratings | 3 | 35 — better |
| Update frequency | Every 4 months | Weekly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 15.1 — better | 15.5 |
| Further details — not scored | ||
| Size | 190 MB | 130 MB |
| Age rating | 4+ | 4+ |
| Developer | Sunrate Pte. Ltd. | Polybase Labs |
Customer experience
Sunrate
Payy
In-app purchases
Sunrate
No in-app purchases
Payy
No in-app purchases
