# Mipay vs Pay.Cool+

The clearest difference is review sentiment: Pay.Cool+ at 100% against Mipay's 0%. Pay.Cool+ also leads on rating (5.0 vs 2.7) and update cadence (weekly vs every 5 months). On price, ratings volume, ads and in-app purchases there is nothing between them.

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

Pay.Cool+ holds the better App Store score, 5.0 against 2.7. Both are backed by a comparable volume of ratings — 11 and 14 respectively. Written reviews point the same way: 0% of Mipay's written reviews are positive against 100% of Pay.Cool+'s.

Mipay ships an update every 5 months, Pay.Cool+ weekly. The most recent releases landed on June 8, 2026 and June 1, 2026 respectively.

## The numbers

| Metric | Mipay | Pay.Cool+ |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.7 (11 ratings)](https://appshunter.io/ios/app/mipay/id6476452609/reviews) | **[5.0 (14 ratings)](https://appshunter.io/ios/app/paycool-plus/id6477788800/reviews)** |
| Number of ratings | 11 | **14** |
| Positive reviews | 0.0% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 months | **Weekly** |
| Monetization | Free | Free |
| Size | 37 MB | 71 MB |
| Requires iOS | 13.0 | **12** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 17+ |
| Developer | [MI FU APP SG PTE. LTD.](https://appshunter.io/developer/1726786728) | [Exchangily LLC](https://appshunter.io/developer/1503068551) |

## What reviewers say

### Mipay

[App page](https://appshunter.io/ios/app/mipay/id6476452609)

This app facilitates international money transfers and Mastercard top-ups for millions of users worldwide. It offers multi-currency accounts for easy management and secure cross-border transactions.

**Highlights:** International money transfers, Mastercard top-ups, Multi-currency accounts, Cross-border transactions, Secure and convenient

**In-app purchases:** none


### Pay.Cool+

[App page](https://appshunter.io/ios/app/paycool-plus/id6477788800)

This platform allows users to earn crypto rewards by shopping with participating merchants. Members can receive tokens that may cover their spending or offer additional earnings.

**Highlights:** Web3 platform and wallet, Consumer-merchant model, Earn crypto token rewards, Free membership, Shop with enabled merchants

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Mipay free?

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

### Is Pay.Cool+ free?

Pay.Cool+ is free to download, with no in-app purchases.

### Which has better reviews, Mipay or Pay.Cool+?

Pay.Cool+ is rated higher. Mipay averages 2.7 out of 5 from 11 ratings, while Pay.Cool+ averages 5.0 from 14 ratings.

### Do Mipay or Pay.Cool+ have ads?

Neither Mipay nor Pay.Cool+ shows ads.

### Which is updated more often, Mipay or Pay.Cool+?

Mipay ships an update every 5 months, and Pay.Cool+ weekly. Most recently, Mipay was updated on June 8, 2026 and Pay.Cool+ on June 1, 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.*