# SM Pay vs Smart reports

The clearest difference is iOS requirement: Smart reports at 13.0 against SM Pay'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.

SM Pay ships an update weekly, Smart reports every 3 days. The most recent releases landed on October 12, 2026 and September 20, 2026 respectively.

## The numbers

| Metric | SM Pay | Smart reports |
| --- | --- | --- |
| Price | Free | Free |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Weekly | **Every 3 days** |
| Size | 44 MB | 18 MB |
| Requires iOS | 17.0 | **13.0** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Standard Finance, LLC](https://appshunter.io/developer/1838639565) | [Qosimjon Sameboev](https://appshunter.io/developer/1891256354) |

## What reviewers say

### SM Pay

[App page](https://appshunter.io/ios/app/sm-pay/id6752281265)

**Features:** macOS Compatibility, Apple Wallet

**In-app purchases:** none


### Smart reports

[App page](https://appshunter.io/ios/app/smart-reports/id6761748102)

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

**In-app purchases:** none


## Frequently asked questions

### Is SM Pay free?

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

### Is Smart reports free?

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

### Do SM Pay or Smart reports have ads?

Neither SM Pay nor Smart reports shows ads.

### Which is updated more often, SM Pay or Smart reports?

SM Pay ships an update weekly, and Smart reports every 3 days. Most recently, SM Pay was updated on October 12, 2026 and Smart reports on September 20, 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.*