# UPay Wallet vs Settle Sys

The clearest difference is rating: Settle Sys at 5.0 against UPay Wallet's 2.8. Settle Sys also leads on update cadence (every 9 days vs every 6 weeks). UPay Wallet's advantage is ratings volume (6 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.

Settle Sys holds the better App Store score, 5.0 against 2.8. That said, the two scores are not equally well evidenced: UPay Wallet has 6 ratings behind it against 1, so its average is the more settled of the two.

UPay Wallet ships an update every 6 weeks, Settle Sys every 9 days. The most recent releases landed on October 5, 2026 and October 13, 2026 respectively.

## The numbers

| Metric | UPay Wallet | Settle Sys |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.8 (6 ratings)](https://appshunter.io/ios/app/upay-wallet/id6745806643/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/settle-sys/id6767882582/reviews)** |
| Number of ratings | **6** | 1 |
| Positive reviews | 54.5% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 6 weeks | **Every 9 days** |
| Monetization | Free | Free |
| Size | 164 MB | 22 MB |
| Requires iOS | 16.6 | **15.0** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 17+ | 4+ |
| Developer | [UPay Technology LTD.](https://appshunter.io/developer/1726104478) | [HAITAO ZHAO](https://appshunter.io/developer/1896517154) |

## What reviewers say

### UPay Wallet

[App page](https://appshunter.io/ios/app/upay-wallet/id6745806643)

This comprehensive digital finance platform merges cryptocurrency with traditional banking services. It offers a secure, intuitive Web3 wallet, multi-currency crypto cards, and global currency exchange. The app also provides flexible crypto finance solutions for financial growth and borderless remittance services.

**Highlights:** Web3 Wallet supporting major cryptocurrencies, Multi-currency crypto cards, Global currency exchange, Crypto-to-fiat conversion, Yield-generating crypto finance solutions, Borderless remittance service, Integration with Apple Pay and Google Pay

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

**In-app purchases:** none


### Settle Sys

[App page](https://appshunter.io/ios/app/settle-sys/id6767882582)

This app helps courier and delivery professionals manage settlements and track records. It allows direct registration without needing a company invitation. Streamline your financial tracking on the go.

**Highlights:** Professional settlement tracking, Record management for deliveries, Direct user registration, No company affiliation required, Financial tracking for couriers

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

**In-app purchases:** none


## Frequently asked questions

### Is UPay Wallet free?

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

### Is Settle Sys free?

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

### Which has better reviews, UPay Wallet or Settle Sys?

Settle Sys is rated higher. UPay Wallet averages 2.8 out of 5 from 6 ratings, while Settle Sys averages 5.0 from 1 ratings.

### Do UPay Wallet or Settle Sys have ads?

Neither UPay Wallet nor Settle Sys shows ads.

### Which is updated more often, UPay Wallet or Settle Sys?

UPay Wallet ships an update every 6 weeks, and Settle Sys every 9 days. Most recently, UPay Wallet was updated on October 5, 2026 and Settle Sys on October 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.*