# PayGuy vs Baff

PayGuy and Baff both sit at 5.0 stars, but that hides the real split: 100% of PayGuy's written reviews are positive against 50% of Baff's. PayGuy also leads on iOS requirement (13.0 vs 15.5). Baff's advantage is update cadence (weekly vs fortnightly) and ratings volume (6 vs 2). On price, rating, ads and in-app purchases there is nothing between them.

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

On the App Store both sit at effectively the same score — 5.0 for PayGuy against 5.0 for Baff. Both are backed by a comparable volume of ratings — 2 and 6 respectively. Written reviews are what separate them: 100% of PayGuy's written reviews are positive against 50% of Baff's.

PayGuy ships an update fortnightly, Baff weekly. The most recent releases landed on June 1, 2026 and August 1, 2026 respectively.

## The numbers

| Metric | PayGuy | Baff |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [5.0 (2 ratings)](https://appshunter.io/ios/app/payguy/id6472192195/reviews) | [5.0 (6 ratings)](https://appshunter.io/ios/app/baff/id6475769720/reviews) |
| Number of ratings | 2 | **6** |
| Positive reviews | **100.0% of reviews** | 50.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Fortnightly | **Weekly** |
| Monetization | Free | Free |
| Size | 34 MB | 103 MB |
| Requires iOS | **13.0** | 15.5 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 17+ | 17+ |
| Developer | [Upperlink Digital](https://appshunter.io/developer/1716736392) | [Uvacct](https://appshunter.io/developer/1663390119) |

## 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


### Baff

[App page](https://appshunter.io/ios/app/baff/id6475769720)

This financial service app allows users to send money and pay for goods and services easily, even without an internet connection. It offers secure, fast transactions, instant bank account opening, and reliable international payment options.

**Highlights:** Offline money transfers, Pay for goods and services, Bank transfers within Nigeria, Instant bank account opening, International Visa/Mastercard, Airtime and data top-up

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is PayGuy free?

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

### Is Baff free?

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

### Which has better reviews, PayGuy or Baff?

PayGuy and Baff are both rated 5.0 out of 5 on the App Store, from 2 and 6 ratings respectively.

### Do PayGuy or Baff have ads?

Neither PayGuy nor Baff shows ads.

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

PayGuy ships an update fortnightly, and Baff weekly. Most recently, PayGuy was updated on June 1, 2026 and Baff on August 1, 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.*