Foxi vs SmartPayNI
Price, ratings, monetisation and update history for both apps, side by side ā with what reviewers say about each.
Foxi
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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)
SmartPayNI
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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
Verdict
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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
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.
| Parameter | Foxi | SmartPayNI |
|---|---|---|
| Price | Free | Free |
| Update frequency | Every 6 weeks | Every 3 weeks ā better |
| Ads | No | No |
| In-app purchases | No | No |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 13.4 ā better | 15.0 |
| Further details ā not scored | ||
| Size | 25 MB | 94 MB |
| Age rating | 17+ | 17+ |
| Developer | MSE Merchant Services Ireland Ltd | SmartPayNI Ltd |
In-app purchases
Foxi
No in-app purchases
SmartPayNI
No in-app purchases









