Fena Toolkit vs SSV SmartPay Personal
Price, ratings, monetisation and update history for both apps, side by side β with what reviewers say about each.
Fena Toolkit
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Get paid directly to your bank account. Accepting Open Banking payments on your device with our user-friendly QR code technology couldn't be easier. Simply enter the amount you wish to charge your customer, then ask them to scan the code. Thereβs no need for a separate terminal, and payments are 100% secure. Key Features: - QR Code Payments: Generate a QR code to get paid directly into your bank account from your customers. - Pay by Link: Share payment links with your customers or clients with easy-to-use share functionality. The links can be shared via text, message, email, or Bluetooth. - Transaction History: View your transaction history in one tab. Toggle between different transaction statuses or use our comprehensive filters to narrow down your search. - Terminal Management: Manage your terminals from this tab. Hide or show your terminals saved in your Fena Business Toolkit account. - Profile Settings: Change your personal details or your password from within the app. - Team Management: Create multiple users and assign them to one or more terminals for greater control over team access. - Supports Multiple Bank Accounts for Payouts: Add one or more bank accounts and assign them to one or more terminals for payout. You need a Fena Business Toolkit account to use the Fena Toolkit ePOS app. You can register for an account here: https://toolkit.fena.co/sign-up.
SSV SmartPay Personal
This app facilitates quick, secure, and free money transfers within the UK. It allows users to send and receive payments for various purposes, including shopping, rent, and splitting bills, directly from their bank apps. It also supports in-store payments via QR codes at participating retailers.
- Send and receive money
- Split bills and pay rent
- Instant bank transfers
- Pay in-store with QR codes
- Works with major UK banks
- Add personal notes to payments
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SSV SmartPay - The fast, safe, and free way to pay and get paid in the UK. SEND AND RECEIVE MONEY Send and receive money for everything from shopping to splitting dinner or paying rent. Add a personal note to each payment and share it instantly with friends and family. THE EASIEST WAY TO PAY SSV SmartPay works with all major UK Bank Apps, so you donβt need to enter Account Numbers or Sort Codes or worry about using the same bank. Simply tap your friend's name and pay! PAY WITH SSV SMARTPAY AND SUPPORT LOCAL BUSINESSES You can also pay in-store at thousands of UK retailers that accept SSV SmartPay Instant Bank Pay. Scan the SSV SmartPay QR code, pay from your bank app, and go! This convenient payment experience saves you time and helps local businesses save on expensive card processing fees. PAY SECURELY WITH SSV SMARTPAY SSV SmartPay triggers an instant bank transfer between your UK Bank App and your recipient's UK Bank App. The payment is processed instantly (or max up to 2 hrs) and securely by your bank, just like any other bank transfer. The recipient receives funds instantly with zero hassle. Download the free SSV SmartPay app today and make paying friends, family, and businesses easy! You can also learn more by visiting [www.ssvsmartpay.co]
Screenshots
Verdict
The clearest difference is iOS requirement: SSV SmartPay Personal at 13.0 against Fena Toolkit's 15.0. On price, update cadence, ads and in-app purchases there is nothing between them.
Scored on Price Β· Rating Β· Positive reviews Β· Number of ratings Β· Update frequency Β· Ads Β· In-app purchases Β· Monetization Β· Best chart rank Β· Devices Β· Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Fena Toolkit ships an update monthly, SSV SmartPay Personal every 6 weeks. The most recent releases landed on September 9, 2026 and August 9, 2026 respectively.
| Parameter | Fena Toolkit | SSV SmartPay Personal |
|---|---|---|
| Price | Free | Free |
| Positive reviews | β | 100.0% of reviews |
| Update frequency | Monthly β better | Every 6 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | β | Free |
| Devices | iPhone, iPad, iPod β better | iPhone, iPod |
| Requires iOS | 15.0 | 13.0 β better |
| Further details β not scored | ||
| Size | 47 MB | 73 MB |
| Age rating | 4+ | 17+ |
| Developer | FENA LABS LTD | SSV SMARTPAY Limited |
In-app purchases
Fena Toolkit
No in-app purchases
SSV SmartPay Personal
No in-app purchases






