# McGriff Benefit Access vs Element Pay

The clearest difference is update cadence: Element Pay at every 3 weeks against McGriff Benefit Access's every 5 months. Element Pay also leads on review sentiment (100% vs 72%) and rating (4.8 vs 4.5). McGriff Benefit Access's advantage is ratings volume (823 vs 21). 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.

Element Pay holds the better App Store score, 4.8 against 4.5. That said, the two scores are not equally well evidenced: McGriff Benefit Access has 823 ratings behind it against 21, so its average is the more settled of the two. Written reviews point the same way: 72% of McGriff Benefit Access's written reviews are positive against 100% of Element Pay's.

McGriff Benefit Access ships an update every 5 months, Element Pay every 3 weeks. The most recent releases landed on October 15, 2026 and October 1, 2026 respectively.

## The numbers

| Metric | McGriff Benefit Access | Element Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.5 (823 ratings)](https://appshunter.io/ios/app/mcgriff-benefit-access/id955886686/reviews) | **[4.8 (21 ratings)](https://appshunter.io/ios/app/element-pay/id1584632482/reviews)** |
| Number of ratings | **823** | 21 |
| Positive reviews | 71.5% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 months | **Every 3 weeks** |
| Monetization | Free | Free |
| Size | 26 MB | 151 MB |
| Requires iOS | **16.0** | 16.2 |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 17+ | 4+ |
| Developer | [Marsh & McLennan Agency](https://appshunter.io/developer/1027461929) | [Car IQ Inc.](https://appshunter.io/developer/1547660220) |

## What reviewers say

### McGriff Benefit Access

[App page](https://appshunter.io/ios/app/mcgriff-benefit-access/id955886686)

Manage your HSA, HRA, and FSA health benefit accounts with ease. Quickly check balances, view claims, and submit receipts on the go. Securely access all your important account information anytime, anywhere.

**Highlights:** Check account balances 24/7, View account summaries and charts, Submit claims and receipts, Manage HSA transactions, Secure login with website credentials, Contact customer service

**Features:** macOS Compatibility, Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 🚀 Quick and easy reimbursement process
- 👍 User-friendly and intuitive app
- 💰 Convenient way to use HSA/FSA funds
- 🕰️ Time-saving features

**What reviewers complain about**

- 🐛 Slow app performance and crashes
- 🔒 Difficult login and security procedures
- 🤔 Unclear reimbursement policies and denials
- 💳 Issues with debit card usage and account access

**Reported bugs**

- Login failures and account lockouts
- Incorrect account balance display
- Compatibility issues with older devices

**Requested features**

- Auto-populate end date based on start date
- Allow editing of submitted claims
- Improve mobile app functionality and parity with website


### Element Pay

[App page](https://appshunter.io/ios/app/element-pay/id1584632482)

This app simplifies fuel management for corporate fleets by enabling cardless and contactless payments directly from vehicles at the pump. It leverages vehicle authentication technology for a seamless and secure transaction process.

**Highlights:** Cardless fuel payments, Contactless transactions, Vehicle authentication, Fleet fuel spend management, Direct pump integration

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

**In-app purchases:** none


## Frequently asked questions

### Is McGriff Benefit Access free?

McGriff Benefit Access is free to download, with no in-app purchases.

### Is Element Pay free?

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

### Which has better reviews, McGriff Benefit Access or Element Pay?

Element Pay is rated higher. McGriff Benefit Access averages 4.5 out of 5 from 823 ratings, while Element Pay averages 4.8 from 21 ratings.

### Do McGriff Benefit Access or Element Pay have ads?

Neither McGriff Benefit Access nor Element Pay shows ads.

### Which is updated more often, McGriff Benefit Access or Element Pay?

McGriff Benefit Access ships an update every 5 months, and Element Pay every 3 weeks. Most recently, McGriff Benefit Access was updated on October 15, 2026 and Element Pay on October 1, 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.*