# Direct vs My Pay

The clearest difference is rating: Direct at 4.6 against My Pay's 3.5. Direct also leads on iOS requirement (13.0 vs 17.0). On price, ratings volume, update cadence and ads there is nothing between them.

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

Direct holds the better App Store score, 4.6 against 3.5. Both are backed by a comparable volume of ratings — 10 and 4 respectively.

Both ship on a similar rhythm, roughly every 2 weeks. The most recent releases landed on September 12, 2026 and August 23, 2026 respectively.

## The numbers

| Metric | Direct | My Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.6 (10 ratings)](https://appshunter.io/ios/app/direct/id6561388724/reviews)** | [3.5 (4 ratings)](https://appshunter.io/ios/app/my-pay/id6752914379/reviews) |
| Number of ratings | **10** | 4 |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 weeks | Every 2 weeks |
| Monetization | Free | Free |
| Size | 43 MB | 33 MB |
| Requires iOS | **13.0** | 17.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [baqer k jawad](https://appshunter.io/developer/1807868263) | [ALAIMTIDAD FOR LOGISTICS SERVICES LIMITED](https://appshunter.io/developer/1740181783) |

## What reviewers say

### Direct

[App page](https://appshunter.io/ios/app/direct/id6561388724)

Manage your debts effortlessly with this application. It offers continuous updates for a simple user experience, electronic storage for access anywhere, and detailed debt reports. You can also send reports directly via Telegram.

**Highlights:** Debt arrangement, Uncomplicated debt management, Continuous updates, Electronic storage, Access on any device, Detailed debt reports, Telegram report sending

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### My Pay

[App page](https://appshunter.io/ios/app/my-pay/id6752914379)

Easily top up cards and manage your balance with this application. Track all your transactions and debts through a user-friendly interface. Enjoy quick technical support for a seamless experience.

**Highlights:** Easy card top-ups, Electronic top-up operations, Transaction and debt records, Fast technical support, Balance control

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Direct free?

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

### Is My Pay free?

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

### Which has better reviews, Direct or My Pay?

Direct is rated higher. Direct averages 4.6 out of 5 from 10 ratings, while My Pay averages 3.5 from 4 ratings.

### Do Direct or My Pay have ads?

Neither Direct nor My Pay shows ads.

### Which is updated more often, Direct or My Pay?

Direct ships an update every 2 weeks, and My Pay every 2 weeks. Most recently, Direct was updated on September 12, 2026 and My Pay on August 23, 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.*