Comparison

Ascom Pay vs SmartpayVTU

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

Head to head
About

Ascom Pay

Features
Read full description

Welcome to Ascompay, the ultimate fintech app transforming how you manage your money. Packed with cutting-edge features, Ascompay is your go-to solution for seamless, secure, and convenient transactions. Key Features: 1. Offline Payments: •⁠ ⁠Complete transactions without an internet connection. •⁠ ⁠Never worry about connectivity issues again. 2. NFC & Tap-to-Pay: •⁠ ⁠Make fast, contactless payments with a simple tap. •⁠ ⁠Enjoy the convenience and security of modern payment technology. 3. Swift and secure Payments: •⁠ ⁠Send money securely and with ease. •⁠ ⁠Experience fast, secure, and low-cost transfers. 4. Wallets: •⁠ ⁠Organize your finances effortlessly. •⁠ ⁠Track your spending and manage your funds with ease. 5. Virtual Cards: •⁠ ⁠Create virtual cards for online shopping. •⁠ ⁠Enhance your security and control over your payments. Why Choose Ascompay? •⁠ ⁠Innovative Technology: Leverage the latest in fintech for a superior payment experience. •⁠ ⁠Unmatched Convenience: From offline payments to virtual cards, manage all your transactions in one place. •⁠ ⁠Global Reach: Effortlessly handle cross-border payments with Ascompay technology. Whether you're buying groceries, dining out, or sending money overseas, Ascompay is your all-in-one solution for a streamlined and secure financial experience.

About

SmartpayVTU

Features
Read full description

SmartpayVTU is the smart, reliable way to pay bills, purchase airtime, and manage all your daily utility payments from one app. Whether you want to recharge your phone, settle electricity bills, renew cable TV subscriptions, or send data to friends and family, SmartpayVTU makes the process quick, simple, and secure. With SmartpayVTU, you can: • Buy Airtime Instantly – Top up any mobile network in just seconds • Purchase Data Bundles – Affordable data plans for every network • Pay Electricity Bills – Works with all major electricity providers • Renew Cable TV Subscriptions – Pay for DSTV, GOTV, Startimes, and more • Fund Your Account Easily – Use your dedicated virtual account for deposits • View Transactions – Keep track of every payment with detailed history • Refer and Earn – Share the app and receive instant rewards Why people choose SmartpayVTU: • Secure and dependable transactions every time • One app for all your bills, airtime, and data purchases • Simple interface for smooth navigation • Available anytime, anywhere for your convenience Download SmartpayVTU today to enjoy the easiest way to recharge airtime, pay electricity bills, subscribe to cable TV, and manage all your bill payments from your phone.

Screenshots

Ascom Pay4 screens
SmartpayVTU4 screens

Verdict

The call

The clearest difference is update cadence: SmartpayVTU at daily against Ascom Pay's every 10 days. On price, ads, in-app purchases and device support there is nothing between them.

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

CostPrice · In-app purchases · Ads · Monetization

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

UpkeepUpdate frequency

Ascom Pay ships an update every 10 days, SmartpayVTU daily. The most recent releases landed on September 27, 2026 and October 3, 2026 respectively.

Scorecard1 real difference · 5 level
Ascom Pay versus SmartpayVTU: the parameters behind the verdict, then further details
ParameterAscom PaySmartpayVTU
PriceFreeFree
Update frequencyEvery 10 daysDaily — better
AdsNoNo
In-app purchasesNoNo
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS13.413.0 — better
Further details — not scored
Size31 MB33 MB
Age rating17+4+
DeveloperAscom Global ICT Services LTDLEMS - TECH INTEGRATED SERVICES

In-app purchases

None

Ascom Pay

No in-app purchases

None

SmartpayVTU

No in-app purchases

Questions

Is Ascom Pay free?
Ascom Pay is free to download, with no in-app purchases.
Is SmartpayVTU free?
SmartpayVTU is free to download, with no in-app purchases.
Do Ascom Pay or SmartpayVTU have ads?
Neither Ascom Pay nor SmartpayVTU shows ads.
Which is updated more often, Ascom Pay or SmartpayVTU?
Ascom Pay ships an update every 10 days, and SmartpayVTU daily. Most recently, Ascom Pay was updated on September 27, 2026 and SmartpayVTU on October 3, 2026.

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