Comparison

Foxi vs SmartPayNI

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

Head to head
About

Foxi

Features
Read full description

Foxi-pay facilitates your business in accepting payments in person via debit/credit card or Open Banking (account2account) in person, over the phone and via secure payment link without the need for a physical payment terminal. Use multiple acquiring Banks for card payments (existing MIDS can be used in many cases) while also adding the ability to accept payment via Open Banking Payment Initiation (account2account)

About

SmartPayNI

Features
Read full description

SmartPayNI is a powerful all-in-one payments and business management app designed to help merchants take control of their sales, transactions, and performance in real time. Whether you're in-store, on the move, or managing multiple locations, SmartPayNI gives you the tools you need to run your business more efficiently. Key Features: • Take secure card payments quickly and easily • View real-time transaction history and reporting • Track sales performance and business insights • Monitor daily, weekly, and monthly activity • Access key account and merchant information anytime • Simple, easy-to-use dashboard built for busy business owners Why SmartPayNI? SmartPayNI is designed to simplify payments and give you full visibility of your business performance in one place. No complicated systems, just clear, actionable data when you need it. Stay in Control From payments to reporting, SmartPayNI helps you stay on top of your business wherever you are.

Screenshots

Foxi4 screens
SmartPayNI4 screens

Verdict

The call

The clearest difference is iOS requirement: Foxi at 13.4 against SmartPayNI's 15.0. On price, update cadence, ads and in-app purchases there is nothing between them.

Scored on Price Ā· Rating Ā· Positive reviews Ā· Number of ratings Ā· Update frequency Ā· Ads Ā· In-app purchases Ā· Monetization Ā· Best chart rank Ā· Devices Ā· Requires iOS

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

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

UpkeepUpdate frequency

Foxi ships an update every 6 weeks, SmartPayNI every 3 weeks. The most recent releases landed on October 10, 2026 and October 4, 2026 respectively.

Scorecard1 real difference Ā· 5 level
Foxi versus SmartPayNI: the parameters behind the verdict, then further details
ParameterFoxiSmartPayNI
PriceFreeFree
Update frequencyEvery 6 weeksEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
DevicesiPhone, iPodiPhone, iPod
Requires iOS13.4 — better15.0
Further details — not scored
Size25 MB94 MB
Age rating17+17+
DeveloperMSE Merchant Services Ireland LtdSmartPayNI Ltd

In-app purchases

None

Foxi

No in-app purchases

None

SmartPayNI

No in-app purchases

Questions

Is Foxi free?
Foxi is free to download, with no in-app purchases.
Is SmartPayNI free?
SmartPayNI is free to download, with no in-app purchases.
Do Foxi or SmartPayNI have ads?
Neither Foxi nor SmartPayNI shows ads.
Which is updated more often, Foxi or SmartPayNI?
Foxi ships an update every 6 weeks, and SmartPayNI every 3 weeks. Most recently, Foxi was updated on October 10, 2026 and SmartPayNI on October 4, 2026.

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