# AccessPay vs R4

The clearest difference is rating: R4 at 5.0 against AccessPay's 4.6. AccessPay's advantage is update cadence (every 3 weeks vs every 2 months) and ratings volume (11 vs 1). On price, ads, in-app purchases and monetization model there is nothing between them.

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

R4 holds the better App Store score, 5.0 against 4.6. That said, the two scores are not equally well evidenced: AccessPay has 11 ratings behind it against 1, so its average is the more settled of the two.

AccessPay ships an update every 3 weeks, R4 every 2 months. The most recent releases landed on June 4, 2026 and October 1, 2026 respectively.

## The numbers

| Metric | AccessPay | R4 |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.6 (11 ratings)](https://appshunter.io/ios/app/accesspay/id6740498074/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/r4/id6762643744/reviews)** |
| Number of ratings | **11** | 1 |
| Positive reviews | 66.7% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Every 2 months |
| Monetization | Free | Free |
| Size | 100 MB | 31 MB |
| Requires iOS | 15.6 | 15.6 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Corporacion 7NET](https://appshunter.io/developer/1790259504) | [R4 Banco Microfinanciero](https://appshunter.io/developer/1894931831) |

## What reviewers say

### AccessPay

[App page](https://appshunter.io/ios/app/accesspay/id6740498074)

This app offers a secure and user-friendly platform for various electronic payment solutions. It allows for interbank transactions, QR/NFC payments, and digital card management, aiming to simplify financial operations.

**Highlights:** Tokenized card payments, QR and NFC payments, Interbank P2P transfers, Digital prepaid card, Payment links, Virtual lock security

**Features:** macOS Compatibility

**In-app purchases:** none


### R4

[App page](https://appshunter.io/ios/app/r4/id6762643744)

Manage your finances securely and efficiently with a comprehensive mobile banking solution. Perform a wide range of transactions, transfer funds, and send/receive money instantly. Designed for active clients of R4, Banco Microfinanciero.

**Highlights:** Consult and manage finances, Secure and simple transactions, Transfer funds between accounts, Instant money transfer via Pago Móvil, QR code payments, Personalized contact list

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

**In-app purchases:** none


## Frequently asked questions

### Is AccessPay free?

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

### Is R4 free?

R4 is free to download, with no in-app purchases.

### Which has better reviews, AccessPay or R4?

R4 is rated higher. AccessPay averages 4.6 out of 5 from 11 ratings, while R4 averages 5.0 from 1 ratings.

### Do AccessPay or R4 have ads?

Neither AccessPay nor R4 shows ads.

### Which is updated more often, AccessPay or R4?

AccessPay ships an update every 3 weeks, and R4 every 2 months. Most recently, AccessPay was updated on June 4, 2026 and R4 on October 1, 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.*