# Umay+ Application vs ACU PAY

The clearest difference is rating: ACU PAY at 5.0 against Umay+ Application's 2.3. ACU PAY also leads on review sentiment (63% vs 22%) and update cadence (every 3 weeks vs every 6 weeks). Umay+ Application's advantage is iOS requirement (13.0 vs 15.6). On price, ratings volume, 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.

ACU PAY holds the better App Store score, 5.0 against 2.3. Both are backed by a comparable volume of ratings — 3 and 2 respectively. Written reviews point the same way: 22% of Umay+ Application's written reviews are positive against 63% of ACU PAY's.

Umay+ Application ships an update every 6 weeks, ACU PAY every 3 weeks. Both last shipped on October 16, 2026.

## The numbers

| Metric | Umay+ Application | ACU PAY |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.3 (3 ratings)](https://appshunter.io/ios/app/umay-plus-application/id954780777/reviews) | **[5.0 (2 ratings)](https://appshunter.io/ios/app/acu-pay/id1589033649/reviews)** |
| Number of ratings | **3** | 2 |
| Positive reviews | 22.0% of reviews | **63.5% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 6 weeks | **Every 3 weeks** |
| Monetization | Free | Free |
| Size | 21 MB | 84 MB |
| Requires iOS | **13.0** | 15.6 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [EASY BUY Public Company Limited](https://appshunter.io/developer/1439154042) | [ACU PAY THAILAND COMPANY LIMITED](https://appshunter.io/developer/1599060180) |

## What reviewers say

### Umay+ Application

[App page](https://appshunter.io/ios/app/umay-plus-application/id954780777)

This financial service app allows users to conveniently manage their credit cards and loans. It offers features like checking balances, viewing transaction history, making payments, and applying for new cards or increased credit limits. Users can also access promotions and contact customer support.

**Highlights:** Manage credit card and loan accounts, Check balances and transaction history, Make payments and change due dates, Apply for new cards and credit limit increases, Access promotions and special offers, Cardless ATM withdrawals, Virtual card issuance

**Features:** Vision Pro support

**In-app purchases:** none


### ACU PAY

[App page](https://appshunter.io/ios/app/acu-pay/id1589033649)

This app facilitates convenient and secure instant e-payments to a wide range of merchants. Users can also redeem coupons, invite friends for rewards, and participate in lucky draws for a chance to win prizes. It promotes a cashless lifestyle with various perks and offers.

**Highlights:** Instant e-payments, Coupon redemption, Friend referral rewards, Lucky draw participation, Cashless transactions, Exclusive merchant offers

**Features:** Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Umay+ Application free?

Umay+ Application is free to download, with no in-app purchases.

### Is ACU PAY free?

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

### Which has better reviews, Umay+ Application or ACU PAY?

ACU PAY is rated higher. Umay+ Application averages 2.3 out of 5 from 3 ratings, while ACU PAY averages 5.0 from 2 ratings.

### Do Umay+ Application or ACU PAY have ads?

Neither Umay+ Application nor ACU PAY shows ads.

### Which is updated more often, Umay+ Application or ACU PAY?

Umay+ Application ships an update every 6 weeks, and ACU PAY every 3 weeks. Most recently, Umay+ Application was updated on October 16, 2026 and ACU PAY on October 16, 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.*