# Smarta vs +7 pay

The clearest difference is update cadence: Smarta at monthly against +7 pay's every 4 months. Smarta also leads on iOS requirement (12.0 vs 16.6). On price, ads, in-app purchases and device support there is nothing between them.

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

Smarta ships an update monthly, +7 pay every 4 months. The most recent releases landed on June 6, 2026 and September 13, 2026 respectively.

## The numbers

| Metric | Smarta | +7 pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[3.0 (2 ratings)](https://appshunter.io/ios/app/plus-7-pay/id6752857791/reviews)** |
| Number of ratings | — | **2** |
| Positive reviews | — | 50.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Monthly** | Every 4 months |
| Monetization | — | Free |
| Size | 43 MB | 4 MB |
| Requires iOS | **12.0** | 16.6 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 4+ | 17+ |
| Developer | [Ivan Iaroslavtsev](https://appshunter.io/developer/1654992696) | [FINIT, OOO](https://appshunter.io/developer/1725500725) |

## What reviewers say

### Smarta

[App page](https://appshunter.io/ios/app/smarta/id6648787518)

**Features:** macOS Compatibility

**In-app purchases:** none


### +7 pay

[App page](https://appshunter.io/ios/app/plus-7-pay/id6752857791)

Split purchases into installments without loans or hidden fees. Get items and services immediately and pay gradually on a convenient schedule. Enjoy quick approval and transparent terms with automatic payments.

**Highlights:** Pay in installments, No credit, no overpayments, First payment from 0 ₽, Automatic payments, Instant approval, Transparent terms, Early repayment option

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

**In-app purchases:** none


## Frequently asked questions

### Is Smarta free?

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

### Is +7 pay free?

+7 pay is free to download, with no in-app purchases.

### Do Smarta or +7 pay have ads?

Neither Smarta nor +7 pay shows ads.

### Which is updated more often, Smarta or +7 pay?

Smarta ships an update monthly, and +7 pay every 4 months. Most recently, Smarta was updated on June 6, 2026 and +7 pay on September 13, 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.*