Comparison

SmashPay vs MTX PAY

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

Head to head
About

SmashPay

Features
Read full description

SmashPay is a financial technology platform that enables fast, secure, and seamless global payments. Send and receive money internationally, manage multi-currency balances, and access modern payment infrastructure built for individuals and businesses. Key Features: โ€ข Global money transfers across multiple countries โ€ข Multi-currency accounts with real-time foreign exchange โ€ข Payment processing and payout capabilities โ€ข Secure account management and transaction monitoring SmashPay operates as a registered Money Services Business (MSB) in the United States and complies with applicable financial regulations, including anti-money laundering and sanctions requirements. Certain features, including digital asset-enabled transactions, may be provided through regulated partners and are subject to jurisdictional availability.

About

MTX PAY

Features
Read full description

MTXPay โ€” Your Money. Your Keys. Your Flow. MTXPay is a self-custodial financial app built for a borderless, on-chain world. Manage your money, digital assets, payments, and spending from one simple experience while keeping control of your assets. BANK, SPEND & MANAGE Bring fiat, stablecoins, and crypto together in one account. Fund your balance, manage your assets, send money, and keep track of your transactions from a single interface. SELF-CUSTODY MTXPay is designed around self-custody, giving you control of your keys and assets. Your wallet remains yours while you access everyday financial tools through a streamlined experience. MTXPAY CARD Spend from your wallet with MTXPay physical and virtual cards. Use your card online, in-store, or wherever supported to make everyday purchases while staying connected to your digital assets. SEND MONEY GLOBALLY Move funds between your crypto wallet, bank account, and card account with an experience designed for cross-border payments. Manage your transfers without juggling multiple financial apps. MULTI-ASSET ACCESS View and manage supported fiat currencies, stablecoins, and crypto assets from one place. MTXPay brings multiple financial rails together into a unified balance and experience. ORIGIN Put eligible idle balances to work with MTXPay Origin, providing access to transparent, on-chain yield opportunities directly within your account. SECURITY Protect your account with features including passcode protection, biometric authentication, and additional security controls designed to help keep your account and transactions protected. REWARDS Eligible users can access rewards such as stablecoin cashback and referral benefits when available. MTXPay brings traditional finance and Web3 together โ€” giving you the tools to bank, spend, send, and manage digital assets while maintaining control. Your money. Your keys. Your flow.

Screenshots

SmashPay4 screens
MTX PAY4 screens

Verdict

The call

SmashPay and MTX PAY are too close to call on the numbers: across 6 compared parameters โ€” price, update cadence, ads and in-app purchases among them โ€” neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

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

CostPrice ยท In-app purchases ยท Ads ยท Monetization

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

UpkeepUpdate frequency

SmashPay ships an update weekly, MTX PAY every 6 days. The most recent releases landed on October 28, 2026 and October 31, 2026 respectively.

ScorecardNo meaningful differences
SmashPay versus MTX PAY: the parameters behind the verdict, then further details
ParameterSmashPayMTX PAY
PriceFreeFree
Update frequencyWeeklyEvery 6 days โ€” better
AdsNoNo
In-app purchasesNoNo
DevicesiPhone, iPad, iPod โ€” betteriPhone, iPod
Requires iOS15.115.1
Further details โ€” not scored
Size68 MB75 MB
Age rating12+4+
DeveloperSmashTechriver limited

In-app purchases

None

SmashPay

No in-app purchases

None

MTX PAY

No in-app purchases

Questions

Is SmashPay free?
SmashPay is free to download, with no in-app purchases.
Is MTX PAY free?
MTX PAY is free to download, with no in-app purchases.
Do SmashPay or MTX PAY have ads?
Neither SmashPay nor MTX PAY shows ads.
Which is updated more often, SmashPay or MTX PAY?
SmashPay ships an update weekly, and MTX PAY every 6 days. Most recently, SmashPay was updated on October 28, 2026 and MTX PAY on October 31, 2026.

Other comparisons