Comparison

Sunrate vs UPay Wallet

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

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.

Highlights
  • International payments in 130+ currencies
  • Coverage in 190+ countries
  • Commercial card management
  • Global collection services
  • Real-time transaction statements
  • API integration
Features
Read full description

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.

About

UPay Wallet

This comprehensive digital finance platform merges cryptocurrency with traditional banking services. It offers a secure, intuitive Web3 wallet, multi-currency crypto cards, and global currency exchange. The app also provides flexible crypto finance solutions for financial growth and borderless remittance services.

Highlights
  • Web3 Wallet supporting major cryptocurrencies
  • Multi-currency crypto cards
  • Global currency exchange
  • Crypto-to-fiat conversion
  • Yield-generating crypto finance solutions
  • Borderless remittance service
  • Integration with Apple Pay and Google Pay
Features
Read full description

UPay redefines digital finance through its comprehensive banking platform that seamlessly merges cryptocurrency with traditional financial services. As a fintech innovator, we deliver secure, intuitive solutions designed for the modern digital economy. Our ecosystem combines institutional-grade security with user-friendly functionality, offering individuals and businesses unprecedented control over their financial future.At the heart of our platform lies the UPay Web3 Wallet - a sophisticated yet accessible solution supporting major cryptocurrencies including BTC, ETH, USDT, and USDC. Beyond simple storage, our wallet serves as a gateway to an integrated financial ecosystem featuring multi-currency crypto cards, intelligent finance management, and global currency exchange services. Security remains paramount, with military-grade encryption, two-factor authentication, and blockchain-powered safeguards ensuring complete asset protection. Our payment solutions break down financial barriers, offering instant crypto-to-fiat conversion across eight major currencies (USD, EUR, JPY, GBP, CNY, CAD, AUD, HKD) through virtual and physical cards accepted worldwide. Fully compatible with Apple Pay and Google Pay, our cards provide competitive exchange rates and customizable spending limits - all managed effortlessly via the UPay app. We empower financial growth through flexible crypto finance solutions offering daily-compounded returns on both demand deposits and fixed-term (30/60/90 day) investments. Our borderless remittance service enables rapid, low-cost transfers between crypto and traditional currencies, simplifying both personal and business transactions. What sets UPay apart is our ability to transform complex blockchain technology into intuitive financial tools. Our three-pillar ecosystem - smart wallet, crypto payment solutions, and yield-generating products - establishes new standards in digital asset management. Built on robust blockchain architecture with 24/7 dedicated support, we guarantee swift, secure transactions meeting institutional security standards. More than a service provider, UPay represents a financial revolution. We're creating a world where geographical boundaries and institutional limitations no longer constrain economic opportunity. For crypto enthusiasts, international professionals, and forward-thinking individuals alike, UPay delivers a secure, seamless gateway to the future of finance - where innovation meets accessibility, and technology serves human needs.

Screenshots

Sunrate4 screens
UPay Wallet4 screens

Verdict

The call

The clearest difference is review sentiment: UPay Wallet at 55% against Sunrate's 0%. UPay Wallet also leads on rating (2.8 vs 2.3). On price, ratings volume, update cadence and ads 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

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

UPay Wallet holds the better App Store score, 2.8 against 2.3. Both are backed by a comparable volume of ratings — 3 and 6 respectively. Written reviews point the same way: 0% of Sunrate's written reviews are positive against 55% of UPay Wallet's.

UpkeepUpdate frequency

Sunrate ships an update every 3 months, UPay Wallet every 6 weeks. The most recent releases landed on September 30, 2026 and October 5, 2026 respectively.

Scorecard2 real differences · 8 level
Sunrate versus UPay Wallet: the parameters behind the verdict, then further details
ParameterSunrateUPay Wallet
PriceFreeFree
Rating2.3 (3 ratings)2.8 (6 ratings) — better
Positive reviews0.0% of reviews54.5% of reviews — better
Number of ratings36 — better
Update frequencyEvery 3 monthsEvery 6 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad
Requires iOS15.1 — better16.6
Further details — not scored
Size193 MB164 MB
Age rating4+17+
DeveloperSunrate Pte. Ltd.UPay Technology LTD.

Customer experience

Sunrate

All ratings3 ratings
Positive33.3%
Neutral0.0%
Negative66.7%
Written reviews1 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

UPay Wallet

All ratings6 ratings
Positive50.0%
Neutral0.0%
Negative50.0%
Written reviews11 reviews
Positive54.5%
Neutral0.0%
Negative45.5%

In-app purchases

None

Sunrate

No in-app purchases

None

UPay Wallet

No in-app purchases

Questions

Is Sunrate free?
Sunrate is free to download, with no in-app purchases.
Is UPay Wallet free?
UPay Wallet is free to download, with no in-app purchases.
Which has better reviews, Sunrate or UPay Wallet?
UPay Wallet is rated higher. Sunrate averages 2.3 out of 5 from 3 ratings, while UPay Wallet averages 2.8 from 6 ratings.
Do Sunrate or UPay Wallet have ads?
Neither Sunrate nor UPay Wallet shows ads.
Which is updated more often, Sunrate or UPay Wallet?
Sunrate ships an update every 3 months, and UPay Wallet every 6 weeks. Most recently, Sunrate was updated on September 30, 2026 and UPay Wallet on October 5, 2026.

Other comparisons