Comparison

FiatFlex vs WhoPays

Price, ratings, monetisation and update history for both apps, side by side β€” with what reviewers say about each.

Head to head
About

FiatFlex

Features
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FiatFlex - Modern Payment Processing for Merchants Accept cryptocurrency and traditional payments with ease. FiatFlex enables merchants to receive USDC payments that are automatically converted to EUR and transferred to your bank account. KEY FEATURES: - Crypto Payment Links Create instant payment links for USDC cryptocurrency payments. Your customers pay in crypto, you receive EUR in your bank account. - Automatic Conversion USDC payments are automatically converted to EUR through our licensed partners Bridge and Circle, with competitive exchange rates. - Weekly Bank Transfers Receive your earnings via SEPA bank transfer directly to your account. Fast, reliable, and secure. - Real-Time Analytics Track all payments, view transaction history, and monitor your business performance with our comprehensive dashboard. - Card Payment Support Accept in-person card payments through Stripe integration for customers who prefer traditional payment methods. - Full KYC/AML Compliance Enterprise-grade verification and compliance built-in, powered by Stripe and Bridge's regulatory frameworks. - Secure & Licensed All financial services provided by licensed partners: Stripe for payment processing, Bridge for crypto-to-fiat conversion, and Circle for USDC infrastructure. PERFECT FOR: β€’ E-commerce merchants β€’ Service providers β€’ Freelancers and consultants β€’ Small businesses β€’ Anyone wanting to accept cryptocurrency payments Get started in minutes with our streamlined onboarding process.

About

WhoPays

Features
Read full description

WhoPays tells you who pays next to minimize settles. A dead-simple group expense tracker for trips and roommates: add people, tap "I paid," and balances stay near even without end-of-trip math. Why it is simpler * One action: "I paid" β†’ pick who was included, enter amount. * Next payer banner: always shows who should pay next. * Direct pay: record reimbursements (A β†’ B) when needed. * Multi-currency: log in any currency; rates fetched & cached; original + converted shown in group currency. * Clear history: original and converted amounts; edit or delete anytime. * Invite links: join via link (no codes); add people before they install and their expenses transfer when they join. * Member management: person details to see status, resend invites, remove members, or leave the group. * Fast sync, works offline: real-time updates with anonymous sign-in. No bank links, no clutter. * Export as PDF: statement with all transactions, balances, and a settle-up suggestion. * Notifications: know when someone adds a new expense. Perfect for * Vacations and weekend trips * Shared apartments and groceries * Clubs, teams, and casual group buys Keep it fair, keep it moving. WhoPays makes splitting effortless by telling you who pays next.

Screenshots

FiatFlex3 screens
WhoPays4 screens

Verdict

The call

The clearest difference is update cadence: WhoPays at weekly against FiatFlex's every 2 weeks. On price, ads, in-app purchases and device support there is nothing between them.

Scored on Price Β· Rating Β· Positive reviews Β· Number of ratings Β· Update frequency Β· Ads Β· In-app purchases Β· Monetization Β· Best chart rank Β· Devices Β· Requires iOS

CostPrice Β· In-app purchases Β· Ads Β· Monetization

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

UpkeepUpdate frequency

FiatFlex ships an update every 2 weeks, WhoPays weekly. The most recent releases landed on October 6, 2026 and October 9, 2026 respectively.

Scorecard1 real difference Β· 5 level
FiatFlex versus WhoPays: the parameters behind the verdict, then further details
ParameterFiatFlexWhoPays
PriceFreeFree
Update frequencyEvery 2 weeksWeekly β€” better
AdsNoNo
In-app purchasesNoNo
DevicesiPhoneiPhone, iPod β€” better
Requires iOS16.415.0 β€” better
Further details β€” not scored
Size85 MB59 MB
Age rating4+4+
DeveloperDIGISUBS AGENCYDamian Troncoso

In-app purchases

None

FiatFlex

No in-app purchases

None

WhoPays

No in-app purchases

Questions

Is FiatFlex free?
FiatFlex is free to download, with no in-app purchases.
Is WhoPays free?
WhoPays is free to download, with no in-app purchases.
Do FiatFlex or WhoPays have ads?
Neither FiatFlex nor WhoPays shows ads.
Which is updated more often, FiatFlex or WhoPays?
FiatFlex ships an update every 2 weeks, and WhoPays weekly. Most recently, FiatFlex was updated on October 6, 2026 and WhoPays on October 9, 2026.

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