# payabl. vs Smartpay

The clearest difference is iOS requirement: Smartpay at 15.0 against payabl.'s 17.0. On price, update cadence, ads and in-app purchases there is nothing between them.

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

Both ship on a similar rhythm, roughly fortnightly. The most recent releases landed on October 28, 2026 and November 9, 2026 respectively.

## The numbers

| Metric | payabl. | Smartpay |
| --- | --- | --- |
| Price | Free | Free |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Fortnightly | Fortnightly |
| Size | 47 MB | 186 MB |
| Requires iOS | 17.0 | **15.0** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 17+ | 4+ |
| Developer | [PAYABL. CY LIMITED](https://appshunter.io/developer/1804856916) | [SPSPI SMART PAY SERVICES PAYMENT INSTITUTION (CYPRUS) LTD](https://appshunter.io/developer/1844942946) |

## What reviewers say

### payabl.

[App page](https://appshunter.io/ios/app/payabl/id6743836626)

**Features:** Apple Wallet

**In-app purchases:** none


### Smartpay

[App page](https://appshunter.io/ios/app/smartpay-money-transfer/id6753769813)

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

**In-app purchases:** none


## Frequently asked questions

### Is payabl. free?

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

### Is Smartpay free?

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

### Do payabl. or Smartpay have ads?

Neither payabl. nor Smartpay shows ads.

### Which is updated more often, payabl. or Smartpay?

payabl. ships an update fortnightly, and Smartpay fortnightly. Most recently, payabl. was updated on October 28, 2026 and Smartpay on November 9, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*