Comparison

SSV SmartPay Personal vs PayTrueQR

Price, ratings, monetisation and update history for both apps, side by side β€” with what reviewers say about each.

Head to head
About

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.

Highlights
  • 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
Features
Read full description

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 don’t 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]

About

PayTrueQR

Features
Read full description

Stop losing your profits to high card fees. PayTrueQR is the fast, secure, and fair way for UK businesses to accept payments. Bypass costly card networks and get paid directly into your bank account, no terminals, no hidden costs, and no waiting days for your money. Traditional card processors take a percentage of every sale. We think that’s unfair. PayTrueQR uses Open Banking to settle payments near-instantly for a transparent, ultra-low fixed fee. β€’ Instant Settlement: Funds reach your account in seconds via the UK Faster Payments Service (FPS). Improve your cash flow overnight. β€’ Ultra-Low Fees: Enjoy transparent, fixed-fee pricing. Keep more of what you earn compared to traditional card processors. β€’ No Hardware Needed: Your phone is your terminal. Generate a secure QR code in seconds for your customers to scan. β€’ Bank-Grade Security: Payments are authorised by your customers directly in their own banking app using FaceID or TouchID. PayTrueQR Limited | Registered in England and Wales | Company Number: 16567595 | ICO Registration Number: ZC100823 | VAT Number: 511050654 PayTrueQR Limited is acting as a Registered Agent of Finexer LTD ("Finexer"). Finexer is authorised by the Financial Conduct Authority (FCA) under the Payment Services Regulations 2017 (Firm Reference Number 925695) as an Authorised Payment Institution to provide Account Information Services (AIS) and Payment Initiation Services (PIS).

Screenshots

SSV SmartPay Personal4 screens
PayTrueQR4 screens

Verdict

The call

The clearest difference is update cadence: SSV SmartPay Personal at every 6 weeks against PayTrueQR's every 6 months. On price, ads, in-app purchases and device support 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

CostPrice Β· In-app purchases Β· Ads Β· Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

SSV SmartPay Personal ships an update every 6 weeks, PayTrueQR every 6 months. The most recent releases landed on October 12, 2026 and October 25, 2026 respectively.

Scorecard1 real difference Β· 7 level
SSV SmartPay Personal versus PayTrueQR: the parameters behind the verdict, then further details
ParameterSSV SmartPay PersonalPayTrueQR
PriceFreeFree
Positive reviews100.0% of reviewsβ€”
Update frequencyEvery 6 weeks β€” betterEvery 6 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeβ€”
DevicesiPhone, iPodiPhone, iPad
Requires iOS15.6 β€” better16.4
Further details β€” not scored
Size60 MB52 MB
Age rating17+4+
DeveloperSSV SMARTPAY LimitedPayTrueQR Limited

In-app purchases

None

SSV SmartPay Personal

No in-app purchases

None

PayTrueQR

No in-app purchases

Questions

Is SSV SmartPay Personal free?
SSV SmartPay Personal is free to download, with no in-app purchases.
Is PayTrueQR free?
PayTrueQR is free to download, with no in-app purchases.
Do SSV SmartPay Personal or PayTrueQR have ads?
Neither SSV SmartPay Personal nor PayTrueQR shows ads.
Which is updated more often, SSV SmartPay Personal or PayTrueQR?
SSV SmartPay Personal ships an update every 6 weeks, and PayTrueQR every 6 months. Most recently, SSV SmartPay Personal was updated on October 12, 2026 and PayTrueQR on October 25, 2026.

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