# Payy vs ether.fi

The clearest difference is rating: ether.fi at 4.9 against Payy's 4.1. ether.fi also leads on review sentiment (90% vs 65%) and update cadence (every 3 days vs every 8 days). Payy's advantage is ads (none vs shown) and device support (3 vs 1). On price, 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.

ether.fi holds the better App Store score, 4.9 against 4.1. That said, the two scores are not equally well evidenced: ether.fi has 423 ratings behind it against 35, 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 90% of ether.fi's.

Payy ships an update every 8 days, ether.fi every 3 days. The most recent releases landed on October 25, 2026 and October 30, 2026 respectively.

## The numbers

| Metric | Payy | ether.fi |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.1 (35 ratings)](https://appshunter.io/ios/app/payy/id6474760518/reviews) | **[4.9 (423 ratings)](https://appshunter.io/ios/app/etherfi-crypto-card-and-spend/id6670338367/reviews)** |
| Number of ratings | 35 | **423** |
| Positive reviews | 65.0% of reviews | **90.4% of reviews** |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Every 8 days | **Every 3 days** |
| Monetization | Free | Free |
| Size | 130 MB | 173 MB |
| Requires iOS | **15.5** | 17.0 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 17+ |
| Developer | [Polybase Labs](https://appshunter.io/developer/1722468125) | [Ether.Fi SEZC](https://appshunter.io/developer/1765877236) |

## 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


### ether.fi

[App page](https://appshunter.io/ios/app/etherfi-crypto-card-and-spend/id6670338367)

A DeFi-native credit card that allows you to earn crypto rewards on everyday spending. Enjoy flexible payment options, exclusive member perks, and robust security features, all while maintaining control of your digital assets.

**Highlights:** Earn up to 4% cashback in crypto, Spend anywhere cards are accepted, DeFi-native and non-custodial, Add to Apple Wallet, Exclusive member perks, Top-level security features

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 💳 Best crypto card
- 💰 High cashback
- 🚀 Smooth and easy to use
- 🔒 Secure
- 💳 Convenient (Apple Wallet, physical cards)

**What reviewers complain about**

- 🐛 Bugs (app freezes, login issues, balance display issues)
- 🌐 Limited web/mobile features
- 🌍 Lack of language support (no Chinese)
- 💰 High fees for some operations

**Reported bugs**

- Withdrawal whitelist required
- Issues with adding funds (not receiving money)
- Referral bonus not credited
- Card activation issues

**Requested features**

- Add built-in staking option
- Display daily credited interest
- Add Traditional Chinese language support
- Integrate more local payment methods (Pix, BRL)
- Improve tracking of assets and transactions


## Frequently asked questions

### Is Payy free?

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

### Is ether.fi free?

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

### Which has better reviews, Payy or ether.fi?

ether.fi is rated higher. Payy averages 4.1 out of 5 from 35 ratings, while ether.fi averages 4.9 from 423 ratings.

### Do Payy or ether.fi have ads?

ether.fi shows ads; Payy does not.

### Which is updated more often, Payy or ether.fi?

Payy ships an update every 8 days, and ether.fi every 3 days. Most recently, Payy was updated on October 25, 2026 and ether.fi on October 30, 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.*