# Sunrate vs Payy

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 3 months). On price, ads, in-app purchases and monetization model there is nothing between them.

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 3 months, Payy weekly. The most recent releases landed on September 30, 2026 and August 28, 2026 respectively.

## The numbers

| Metric | Sunrate | Payy |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.3 (3 ratings)](https://appshunter.io/ios/app/sunrate/id6466269482/reviews) | **[4.1 (35 ratings)](https://appshunter.io/ios/app/payy/id6474760518/reviews)** |
| Number of ratings | 3 | **35** |
| Positive reviews | 0.0% of reviews | **65.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Weekly** |
| Monetization | Free | Free |
| Size | 193 MB | 130 MB |
| Requires iOS | **15.1** | 15.5 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Sunrate Pte. Ltd.](https://appshunter.io/developer/1707144531) | [Polybase Labs](https://appshunter.io/developer/1722468125) |

## What reviewers say

### Sunrate

[App page](https://appshunter.io/ios/app/sunrate/id6466269482)

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.

**Highlights:** International payments in 130+ currencies, Coverage in 190+ countries, Commercial card management, Global collection services, Real-time transaction statements, API integration

**Features:** Apple Wallet

**In-app purchases:** none


### Payy

[App page](https://appshunter.io/ios/app/payy/id6474760518)

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.

**Highlights:** Send stablecoins with payment links, No account freezing or suspension, User-controlled funds, Payy Card for spending, Easy and private digital money

**Features:** Apple Wallet

**In-app purchases:** none


## Frequently asked questions

### Is Sunrate free?

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

### Is Payy free?

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

### Which has better reviews, Sunrate or Payy?

Payy is rated higher. Sunrate averages 2.3 out of 5 from 3 ratings, while Payy averages 4.1 from 35 ratings.

### Do Sunrate or Payy have ads?

Neither Sunrate nor Payy shows ads.

### Which is updated more often, Sunrate or Payy?

Sunrate ships an update every 3 months, and Payy weekly. Most recently, Sunrate was updated on September 30, 2026 and Payy on August 28, 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.*