# State vs Circum Pay

The clearest difference is review sentiment: State at 11% against Circum Pay's 0%. Circum Pay's advantage is iOS requirement (14.0 vs 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.

State ships an update monthly, Circum Pay every 2 months. The most recent releases landed on September 14, 2026 and July 8, 2026 respectively.

## The numbers

| Metric | State | Circum Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.5 (4 ratings)](https://appshunter.io/ios/app/state/id995079326/reviews)** | — |
| Number of ratings | **4** | — |
| Positive reviews | **10.8% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Monthly** | Every 2 months |
| Monetization | Free | Free |
| Size | 76 MB | 69 MB |
| Requires iOS | 17.0 | **14.0** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 4+ | 12+ |
| Developer | [IAG New Zealand Limited](https://appshunter.io/developer/785110129) | [Circumtec](https://appshunter.io/developer/1541124493) |

## What reviewers say

### State

[App page](https://appshunter.io/ios/app/state/id995079326)

Manage your insurance policies, make payments, and start claims 24/7. Get new quotes in minutes and access all your policy documents easily. Log in quickly with PIN or Face ID.

**Highlights:** 24/7 insurance management, Fast login with PIN/Face ID, Online claim submission and tracking, Policy payment management, View policy information and documents, Get new quotes in 2 minutes

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

**In-app purchases:** none


### Circum Pay

[App page](https://appshunter.io/ios/app/circum-pay/id1541124491)

Pay for services at enabled vending machines and equipment using your smartphone. Access special discounts and promotions at participating locations across Australia.

**Highlights:** Smartphone payments, QR code scanning, Vending machine purchases, Special discounts, Promotions, Car wash payments, Laundromat payments

**In-app purchases:** none


## Frequently asked questions

### Is State free?

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

### Is Circum Pay free?

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

### Do State or Circum Pay have ads?

Neither State nor Circum Pay shows ads.

### Which is updated more often, State or Circum Pay?

State ships an update monthly, and Circum Pay every 2 months. Most recently, State was updated on September 14, 2026 and Circum Pay on July 8, 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.*