# Papaya vs Split Pay

Papaya and Split Pay both sit at 4.8 stars, but that hides the real split: 72% of Split Pay's written reviews are positive against 58% of Papaya's. Split Pay also leads on chart position (#26 vs unranked). Papaya's advantage is ratings volume (118K vs 21K). On price, rating, update cadence and ads there is nothing between them.

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

On the App Store both sit at effectively the same score — 4.8 for Papaya against 4.9 for Split Pay. That said, the two scores are not equally well evidenced: Papaya has 118K ratings behind it against 21K, so its average is the more settled of the two. Written reviews are what separate them: 58% of Papaya's written reviews are positive against 72% of Split Pay's.

Papaya ships an update every 3 weeks, Split Pay fortnightly. Both last shipped on November 4, 2026.

## The numbers

| Metric | Papaya | Split Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (118K ratings)](https://appshunter.io/ios/app/papaya-securely-pay-any-bill/id1050870627/reviews) | **[4.9 (21K ratings)](https://appshunter.io/ios/app/split-pay-split-bills-in-two/id6448634850/reviews)** |
| Number of ratings | **118K** | 21K |
| Positive reviews | 58.2% of reviews | **72.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Fortnightly** |
| Monetization | Free | Free |
| Best chart rank | — | **#26** |
| Size | 51 MB | 66 MB |
| Requires iOS | 17.0 | **16.6** |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [SnapPays Mobile, Inc](https://appshunter.io/developer/1136491084) | [Visible Ideas](https://appshunter.io/developer/1685211689) |

## What reviewers say

### Papaya

[App page](https://appshunter.io/ios/app/papaya-securely-pay-any-bill/id1050870627)

This finance app simplifies bill payments by allowing users to pay any bill quickly and securely using their preferred method. It eliminates the need for multiple logins or mailing checks, making bill management effortless.

**Highlights:** Pay any bill, Fast payment processing, Secure transactions, Multiple payment methods, HIPAA and PCI compliant

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

**In-app purchases:** none

**What reviewers like**

- 🚀 Easy and fast bill payment
- 👍 Convenient for smartphones
- 💡 Helpful for forgetful users
- 🚀 Quick and efficient

**What reviewers complain about**

- 🐛 Payments not processed correctly
- 🔒 Privacy and security concerns
- 🔍 Lack of customer support
- ⏱️ Slow payment processing times
- 🤖 Frustrating automated responses

**Reported bugs**

- Payments not reaching intended recipients
- Unexpected holds or double charges on accounts
- Incorrect account information being used for payments

**Requested features**

- Ability to cancel or go back in the payment process
- Detailed payment status updates
- Clear explanation of payment flow and fees
- Customer service phone number


### Split Pay

[App page](https://appshunter.io/ios/app/split-pay-split-bills-in-two/id6448634850)

**Currently charting:** #26 Top Free · Finance (US App Store)

This app allows renters to divide their monthly rent into two smaller, more manageable payments. It helps with budgeting and can also be used to build credit history by reporting on-time payments.

**Highlights:** Split rent into two payments, Build credit history, Improve budgeting, Works with all payment systems, Autopay functionality, Free credit reporting option

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 🚀 Great service with team members that go above and beyond
- 👍 Easy to use and intuitive
- 💡 Helpful split pay feature
- 🚀 Smooth and seamless process
- 👍 Convenient for budgeting and managing rent payments

**What reviewers complain about**

- 🐛 Delayed rent payments to landlord
- 🐛 Accounts suspended with no explanation
- 🐛 Difficult to get approved for split pay
- 🐛 App crashes and freezes
- 🐛 Lack of integration with property management portals

**Reported bugs**

- Login screen freezes
- Incompatibility with certain bank accounts
- Payments not showing up in app after being processed

**Requested features**

- Ability to change payment dates after initial setup
- Option to adjust second split pay date within 30-day period
- Integration with property management payment portals
- Clearer communication on approval process and reasons for account suspension


## Frequently asked questions

### Is Papaya free?

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

### Is Split Pay free?

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

### Which has better reviews, Papaya or Split Pay?

Split Pay is rated higher. Papaya averages 4.8 out of 5 from 118K ratings, while Split Pay averages 4.9 from 21K ratings.

### Do Papaya or Split Pay have ads?

Neither Papaya nor Split Pay shows ads.

### Which is updated more often, Papaya or Split Pay?

Papaya ships an update every 3 weeks, and Split Pay fortnightly. Most recently, Papaya was updated on November 4, 2026 and Split Pay on November 4, 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.*