# PayGuy vs Topratepay

The clearest difference is review sentiment: PayGuy at 100% against Topratepay's 0%. PayGuy also leads on update cadence (fortnightly vs every 14 months) and iOS requirement (13.0 vs 15.1). 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.

PayGuy ships an update fortnightly, Topratepay every 14 months. The most recent releases landed on September 18, 2026 and September 17, 2026 respectively.

## The numbers

| Metric | PayGuy | Topratepay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (2 ratings)](https://appshunter.io/ios/app/payguy/id6472192195/reviews)** | — |
| Number of ratings | **2** | — |
| Positive reviews | **100.0% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Every 14 months |
| Monetization | Free | Free |
| Size | 34 MB | 40 MB |
| Requires iOS | **13.0** | 15.1 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 17+ | 4+ |
| Developer | [Upperlink Digital](https://appshunter.io/developer/1716736392) | [Toprate Mutual Finance Limited](https://appshunter.io/developer/1721694755) |

## What reviewers say

### PayGuy

[App page](https://appshunter.io/ios/app/payguy/id6472192195)

Manage all your bills and financial transactions in one place. This fintech application simplifies payment processes for users, offering a convenient way to handle financial obligations.

**Highlights:** Bill payments, Financial transactions, Payment management, Fintech solutions

**Features:** macOS Compatibility

**In-app purchases:** none


### Topratepay

[App page](https://appshunter.io/ios/app/topratepay/id6474469336)

Easily and securely send money to friends and family with this intuitive mobile app. Enjoy swift, reliable transactions with bank-level security and real-time notifications. Designed for simplicity, it accommodates various payment methods for a worry-free experience.

**Highlights:** Effortless money transfers, Instant transaction speed, Bank-level security encryption, Real-time transfer notifications, User-friendly interface, Multiple payment method support

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is PayGuy free?

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

### Is Topratepay free?

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

### Do PayGuy or Topratepay have ads?

Neither PayGuy nor Topratepay shows ads.

### Which is updated more often, PayGuy or Topratepay?

PayGuy ships an update fortnightly, and Topratepay every 14 months. Most recently, PayGuy was updated on September 18, 2026 and Topratepay on September 17, 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.*