# Cleva App vs iNPAY

The clearest difference is iOS requirement: iNPAY at 13.0 against Cleva App's 15. On price, update cadence, 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.

Cleva App ships an update every 9 days, iNPAY fortnightly. The most recent releases landed on October 15, 2026 and October 10, 2026 respectively.

## The numbers

| Metric | Cleva App | iNPAY |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (1.5K ratings)](https://appshunter.io/ios/app/cleva-app/id6473619732/reviews)** | — |
| Number of ratings | **1.5K** | — |
| Positive reviews | 58.8% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 9 days** | Fortnightly |
| Monetization | Free | — |
| Size | 224 MB | 80 MB |
| Requires iOS | 15 | **13.0** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 17+ |
| Developer | [Cleva Technologies, Inc.](https://appshunter.io/developer/1719266520) | [INTECH MANAGEMENT LIMITED](https://appshunter.io/developer/1794168843) |

## What reviewers say

### Cleva App

[App page](https://appshunter.io/ios/app/cleva-app/id6473619732)

Manage your money globally with this app. Send and receive funds internationally, hold USD, and spend online with a virtual card. Earn rewards and refer friends for extra benefits.

**Highlights:** Send money internationally, Receive USD payments, Receive stablecoins, Convert currencies, Virtual USD card, Hold funds in USD, Earn Cleva Points

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast and easy to use
- 👍 User-friendly interface
- 💰 Reliable for international payments
- 🤝 Good customer service

**What reviewers complain about**

- 🐛 Payment issues and delays
- 🔄 Frequent app updates causing frustration
- 🔒 Concerns about security and account access

**Reported bugs**

- Rejected transactions with new bank partner
- Delayed or missing fund transfers
- Inability to access old account numbers

**Requested features**

- Reinstate Wells Fargo bank integration
- Add support for international wire transfers
- Introduce push notifications for account credits
- Enable withdrawal from virtual cards


### iNPAY

[App page](https://appshunter.io/ios/app/inpay/id6741436449)

**In-app purchases:** none


## Frequently asked questions

### Is Cleva App free?

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

### Is iNPAY free?

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

### Do Cleva App or iNPAY have ads?

Neither Cleva App nor iNPAY shows ads.

### Which is updated more often, Cleva App or iNPAY?

Cleva App ships an update every 9 days, and iNPAY fortnightly. Most recently, Cleva App was updated on October 15, 2026 and iNPAY on October 10, 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.*