REPAYit vs Tracir Financial
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
REPAYit
View bills and make payments using your credit card or ACH directly on your device. Enter your merchant code to access your billing information and manage transactions securely.
- View bills on device
- Make payments with card
- Make payments with ACH
- Enter merchant code
- Secure transaction management
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Enter your Merchant Code given to you by your merchant to view your bills on your device and make payments with Card or ACH. More features on the way, so please provide us with your feedback.
Tracir Financial
Manage your bills and make payments directly from your mobile device. Securely log in to view outstanding balances and set up payments using various account types.
- Mobile bill payment
- View bill details
- Credit/debit card payments
- Checking/savings account payments
- Secure login
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Tracir Financial now offers bill payment on your mobile device with its new mobile app! Log in and view your bill, set up payments using your credit, debit, checking or savings account right on your device.
Screenshots
Verdict
The clearest difference is rating: Tracir Financial at 3.0 against REPAYit's 2.4. Tracir Financial also leads on iOS requirement (13.0 vs 15.0). REPAYit's advantage is update cadence (monthly vs every 12 months) and ratings volume (29 vs 2). On price, ads, in-app purchases and monetization model 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.
Tracir Financial holds the better App Store score, 3.0 against 2.4. That said, the two scores are not equally well evidenced: REPAYit has 29 ratings behind it against 2, so its average is the more settled of the two. Written reviews complicate that: 10% of REPAYit's written reviews are positive against 0% of Tracir Financial's, so the app with the better star average is not the one people write more warmly about.
REPAYit ships an update monthly, Tracir Financial every 12 months. The most recent releases landed on November 2, 2026 and November 3, 2026 respectively.
| Parameter | REPAYit | Tracir Financial |
|---|---|---|
| Price | Free | Free |
| Rating | 2.4 (29 ratings) | 3.0 (2 ratings) — better |
| Positive reviews | 10.0% of reviews — better | 0.0% of reviews |
| Number of ratings | 29 — better | 2 |
| Update frequency | Monthly — better | Every 12 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.0 | 13.0 — better |
| Further details — not scored | ||
| Size | 73 MB | 11 MB |
| Age rating | 4+ | 4+ |
| Developer | REPAY - Realtime Electronic Payments | Tracir Financial Services, Inc. |
Customer experience
REPAYit
Tracir Financial
In-app purchases
REPAYit
No in-app purchases
Tracir Financial
No in-app purchases
Questions
Is REPAYit free?
Is Tracir Financial free?
Which has better reviews, REPAYit or Tracir Financial?
Do REPAYit or Tracir Financial have ads?
Which is updated more often, REPAYit or Tracir Financial?
Other comparisons
