# Payy vs Exa App

The clearest difference is rating: Exa App at 5.0 against Payy's 4.1. Exa App also leads on review sentiment (75% vs 65%). Payy's advantage is ratings volume (35 vs 4) and update cadence (weekly vs fortnightly). 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.

Exa App holds the better App Store score, 5.0 against 4.1. That said, the two scores are not equally well evidenced: Payy has 35 ratings behind it against 4, so its average is the more settled of the two. Written reviews point the same way: 65% of Payy's written reviews are positive against 75% of Exa App's.

Payy ships an update weekly, Exa App fortnightly. The most recent releases landed on October 16, 2026 and October 19, 2026 respectively.

## The numbers

| Metric | Payy | Exa App |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.1 (35 ratings)](https://appshunter.io/ios/app/payy/id6474760518/reviews) | **[5.0 (4 ratings)](https://appshunter.io/ios/app/exa-app/id6572315454/reviews)** |
| Number of ratings | **35** | 4 |
| Positive reviews | 65.0% of reviews | **75.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Weekly** | Fortnightly |
| Monetization | Free | Free |
| Size | 130 MB | 71 MB |
| Requires iOS | 15.5 | **15.1** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Polybase Labs](https://appshunter.io/developer/1722468125) | [EXA app](https://appshunter.io/developer/1759206906) |

## What reviewers say

### 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


### Exa App

[App page](https://appshunter.io/ios/app/exa-app/id6572315454)

Unlock the potential of your cryptocurrency by earning daily yields, using a Visa-compatible card, and accessing instant fixed-rate funding. Get started quickly with a smart account and enjoy the future of finance.

**Highlights:** Earn daily crypto yields, Visa-compatible card, Instant fixed-rate funding, Free travel insurance, Fingerprint account access, Quick identity verification

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

**In-app purchases:** none


## Frequently asked questions

### Is Payy free?

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

### Is Exa App free?

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

### Which has better reviews, Payy or Exa App?

Exa App is rated higher. Payy averages 4.1 out of 5 from 35 ratings, while Exa App averages 5.0 from 4 ratings.

### Do Payy or Exa App have ads?

Neither Payy nor Exa App shows ads.

### Which is updated more often, Payy or Exa App?

Payy ships an update weekly, and Exa App fortnightly. Most recently, Payy was updated on October 16, 2026 and Exa App on October 19, 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.*