Payy vs Uqpay Issuing
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Payy
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.
- Send stablecoins with payment links
- No account freezing or suspension
- User-controlled funds
- Payy Card for spending
- Easy and private digital money
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Payy is the global money app for everyone. Other money apps have fees, limits and delays. Blockchains are clunky and unsafe. Payy is a new financial system built from the ground up to make digital money easy & private. • Send stablecoins with magical payment links — the receiver doesn’t even need to have Payy. • Never get debanked. Your account can never be frozen or suspended. Funds on Payy are controlled by you, not some bank. • Payy Card (limited availability) — spend stablecoins online or in shops, with unrivaled privacy.
Uqpay Issuing
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App Description： Introducing the UQPAY app, your gateway to a seamless digital payment experience, now available on the Apple Store. Manage your finances with ease and security using our intuitive interface designed to streamline your financial life. Key Features: Apple Pay：UQPAY is excited to announce support for Apple Wallet. Customers can now easily add their UQPAY Cards into Apple Wallet, enabling contactless and secure payments with just a tap. Home Dashboard: Get an overview of your wallet balances, with the flexibility to manually edit these figures. Stay informed about recent transactions directly from the home screen. Transaction Management: Dive into detailed transaction records, complete with reference IDs, creation times, types, statuses, and reasons for each transaction. Cards Section: Access your card list, view card details such as card number, available limit, card form, cardholder name, and card status. Track your transactions with detailed lists that include transaction types, amounts, and creation times. Account Information: Securely view your account details, including account ID, and navigate to user settings for a personalized experience. Why Choose UQPAY? Security: Enjoy peace of mind with our robust security features designed to protect your financial information. Convenience: Manage your cards with ease, whether you're at home or on the go. Transparency: Gain full visibility into your financial transactions and account status. Download the UQPAY app today and take control of your digital payments with confidence
Screenshots
Verdict
The clearest difference is iOS requirement: Uqpay Issuing at 13.0 against Payy's 15.5. On price, update cadence, ads and in-app purchases there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Both ship on a similar rhythm, roughly every 8 days. The most recent releases landed on November 4, 2026 and October 25, 2026 respectively.
| Parameter | Payy | Uqpay Issuing |
|---|---|---|
| Price | Free | Free |
| Rating | 4.1 (35 ratings) — better | — |
| Positive reviews | 65.0% of reviews | — |
| Number of ratings | 35 — better | — |
| Update frequency | Every 8 days | Every 8 days |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 15.5 | 13.0 — better |
| Further details — not scored | ||
| Size | 130 MB | 28 MB |
| Age rating | 4+ | 4+ |
| Developer | Polybase Labs | UQPAY PTE. LTD. |
In-app purchases
Payy
No in-app purchases
Uqpay Issuing
No in-app purchases
