Comparison

Bottomline PTX Auth vs SplitMate AI

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

Head to head
About

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.

Highlights
  • Multi-Factor Authentication
  • One-time code generation
  • Offline code availability
  • Support for multiple accounts
  • Enhanced payment security
Features
Read full description

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.

About

SplitMate AI

Features
Read full description

SplitMate AI makes splitting bills simple, fast and stress-free. Whether you're at a restaurant, on holiday, sharing accommodation or splitting everyday expenses with friends, SplitMate AI helps everyone pay their fair share. Features: • Scan receipts with AI • Split bills fairly between multiple people • Combine payments for couples or groups • Spin the wheel to randomly choose who pays • Save and reload previous bills • Track your spending with statistics • Add tips instantly • Support multiple currencies • Share bill summaries with friends Designed to make group payments effortless, transparent and even a little fun. No complicated setup. No accounts required. Just split, save and share. Split smarter with SplitMate AI.

Screenshots

Bottomline PTX Auth2 screens
SplitMate AI4 screens

Verdict

The call

The clearest difference is ads: Bottomline PTX Auth at none against SplitMate AI's shown. SplitMate AI's advantage is update cadence (fortnightly vs every 12 months). 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

CostPrice · In-app purchases · Ads · Monetization

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

UpkeepUpdate frequency

Bottomline PTX Auth ships an update every 12 months, SplitMate AI fortnightly. The most recent releases landed on September 23, 2026 and October 4, 2026 respectively.

Scorecard2 real differences · 6 level
Bottomline PTX Auth versus SplitMate AI: the parameters behind the verdict, then further details
ParameterBottomline PTX AuthSplitMate AI
PriceFreeFree
Positive reviews0.0% of reviews—
Update frequencyEvery 12 monthsFortnightly — better
AdsNo — betterYes
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.615.1 — better
Further details — not scored
Size29 MB39 MB
Age rating4+4+
DeveloperBottomline TechnologiesCHRISTOPHER KOZHAYA SAAD

In-app purchases

None

Bottomline PTX Auth

No in-app purchases

None

SplitMate AI

No in-app purchases

Questions

Is Bottomline PTX Auth free?
Bottomline PTX Auth is free to download, with no in-app purchases.
Is SplitMate AI free?
SplitMate AI is free to download, with no in-app purchases.
Do Bottomline PTX Auth or SplitMate AI have ads?
SplitMate AI shows ads; Bottomline PTX Auth does not.
Which is updated more often, Bottomline PTX Auth or SplitMate AI?
Bottomline PTX Auth ships an update every 12 months, and SplitMate AI fortnightly. Most recently, Bottomline PTX Auth was updated on September 23, 2026 and SplitMate AI on October 4, 2026.

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