Bottomline PTX Auth vs Bilt Rewards
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Bottomline PTX Auth
This app provides an extra layer of security for business payment processing. It generates one-time codes for logging in and authorizing transactions, enhancing the safety of your financial operations.
- Multi-Factor Authentication
- One-time code generation
- Offline code availability
- Support for multiple accounts
- Enhanced payment security
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Bottomline PTX helps businesses pay and get paid with features available either individually or combined that include Bacs, International Payments and Faster Payments processing, Direct Debit and card collections, as well as invoice and billing management. This app features: Multi-Factor Authentication is an additional layer of security, which provides a one-time code when logging into and making payments in Bottomline PTX, alongside your username and password. Once configured, verification codes are available without an internet connection. Support for multiple accounts. To use the Bottomline PTX Auth, when logging into and making payments in Bottomline PTX, you’ll need to enable this feature in your Bottomline PTX online account.
Bilt Rewards
Turn your largest monthly expense, rent, into valuable rewards. Earn points on rent payments, build credit history, and unlock exclusive benefits at local businesses. Redeem points for travel, future rent, or even a down payment on a home.
- Earn rewards on rent payments
- Build credit history by reporting rent
- Unlock exclusive Neighborhood Benefits
- Redeem points for travel and rent
- Save points for a home down payment
- Earn Elite Status for more benefits
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Bilt helps you transform your largest monthly expense—rent—into valuable rewards and unlock exclusive Neighborhood Benefits™. With Bilt, you can earn points on rent payments, build credit history, and unlock a world of rewards from travel to everyday redemptions. EARN REWARDS ON RENT Earn rewards on your largest monthly expense–rent. With every on-time rent payment, you'll earn Bilt Points – the industry's most valuable and flexible points currency. Plus, build credit history by automatically reporting your rent payments to all three major credit bureaus for free. ACCESS NEIGHBORHOOD BENEFITS™ Get even more at your favorite spots with exclusive Neighborhood Benefits™ at local restaurants, fitness studios, pharmacies, on Lyft rides, and more. Use any linked card with our neighborhood partners to stack Bilt Points, in addition to your usual card rewards. Unlock member benefits including complimentary items, member events, and more. REDEEM YOUR REWARDS Transfer your points 1:1 to your favorite airline miles and hotel points, use them for future rent payments, redeem for everyday purchases, or save them for a down payment on a home. Bilt offers the industry's most flexible and valuable redemption options. RENT DAY® REWARDS On the 1st of each month, we drop limited-time member benefits like unparalleled transfer bonuses, unique neighborhood dining experiences, a chance to win free rent through our Rent Free™ game, and more. Earn Points on Rent Payments: - Earn points on rent at any home, no matter where you live - Free credit building by reporting rent payments to all credit bureaus - No transaction fees on rent payments Unlock Neighborhood Benefits™: - Dining: Earn points and enjoy complimentary items at 20,000+ local restaurants - Fitness: Get complimentary add-ons at partner fitness studios like Barry's, SoulCycle, and more - Pharmacy: Apply automatic HSA/FSA savings at Walgreens - Lyft rides: Earn extra points on Lyft rides around your neighborhood Redeem the most flexible points: - Travel: Transfer points 1:1 to major airlines and hotels including United, American, Hyatt, and more, or use them in the Bilt Travel Portal - Rent: Use points towards future rent payments - Everyday Rewards: Redeem for Amazon purchases, gift cards, and more - Buy a Home: Save points for a down payment on a future home Earn Elite Status: - Earn status through points or eligible spend - Unlock increasingly valuable benefits across travel and everyday rewards - Customize your experience with Milestone Rewards at 25,000-point intervals Join over 4 million members who are transforming their largest monthly expense into their most rewarding one. Download the app today and start earning rewards on rent, in your neighborhood, and beyond.
Screenshots
Verdict
The clearest difference is review sentiment: Bilt Rewards at 36% against Bottomline PTX Auth's 0%. Bilt Rewards also leads on update cadence (every 2 days vs every 12 months) and chart position (#57 vs unranked). Bottomline PTX Auth's advantage is ads (none vs shown) and monetization model (free vs free with in-app purchases). On price, in-app purchases, device support and iOS requirement there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Bottomline PTX Auth ships an update every 12 months, Bilt Rewards every 2 days. The most recent releases landed on October 9, 2026 and October 29, 2026 respectively.
| Parameter | Bottomline PTX Auth | Bilt Rewards |
|---|---|---|
| Price | Free | Free |
| Rating | — | 4.8 (235K ratings) — better |
| Positive reviews | 0.0% of reviews | 36.4% of reviews — better |
| Number of ratings | — | 235K — better |
| Update frequency | Every 12 months | Every 2 days — better |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Monetization | Free — better | Free with in-app purchases |
| Best chart rank | — | #57 — better |
| Devices | iPhone, iPod — better | iPhone |
| Requires iOS | 15.6 — better | 16.6 |
| Further details — not scored | ||
| Size | 29 MB | 212 MB |
| Age rating | 4+ | 4+ |
| Developer | Bottomline Technologies | Bilt Technologies, Inc. |
Customer experience
Bottomline PTX Auth
Bilt Rewards
Bugs and requests
Bottomline PTX Auth
Not enough reviews yet to summarise bugs or requests.
Bilt Rewards
Reported bugs
4 issues- Rent payments not properly credited
- Accounts being hacked and fraudulent charges
- App crashes and login issues
- Incorrect information displayed in the app
Requested features
5 requests- Improved integration with banking/payment accounts
- More transparency and control over rent payments
- Enhanced security measures
- Simplified and streamlined app design
- Better customer support and communication channels
In-app purchases
Bottomline PTX Auth
No in-app purchases
Bilt Rewards
No in-app purchases
Questions
Is Bottomline PTX Auth free?
Is Bilt Rewards free?
Do Bottomline PTX Auth or Bilt Rewards have ads?
Which is updated more often, Bottomline PTX Auth or Bilt Rewards?
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