Comparison

Papaya vs Split It

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

Head to head
About

Papaya

This app offers a streamlined and secure method for paying all your bills, eliminating the need for multiple logins or mailing checks. It utilizes advanced technology to process payments quickly and efficiently, supporting various payment methods for a wide range of bill types.

Highlights
  • Pay any bill
  • Fast payments
  • Secure processing
  • Multiple payment methods
  • HIPAA and PCI compliant
  • Bank-level security
Features
Read full description

Ready for a new way to bill pay? Papaya is an award-winning app that lets you pay all of your bills in a snap. That's right. No more mailing checks, making phone calls, or logging into twelve different accounts to make payments. And the best part? Papaya makes bill pay effortless! The Papaya app makes bill pay fast, easy and pain-free. In fact, we use the same game-changing technology that you use to deposit a check on your banking app. Simply set up your payment method and your payment is sent. HOW IT WORKS 1. Download the Papaya app 2. Choose a payment method And presto, Papaya sends the payment for you! PAY ANY BILL Papaya works for all bills - medical, dental, utilities, rent, insurance, loans, parking tickets, DMV, plumbing services, business bills, your dog's training lessons, your kids' daycare bills and more. PAY SECURELY Your security is our priority. Papaya is HIPAA and PCI compliant, and bank-level secure. PAY QUICKLY It takes only seconds to make payments, and most are settled within 24 hours. PAY HOW YOU'D LIKE You can pay with any payment method: bank account, credit card, debit card or FSA/HSA card, as long as your merchant accepts it. MORE ABOUT PAPAYA We are a fast growing FinTech startup backed by the same investors behind Uber, Facebook, Google and YouTube and the winner of the PayAwards "Most Innovative Technology". You can learn more about us at https://PapayaPay.com. Our Terms of Service are here: https://PapayaPay.com/tos.html

About

Split It

Features
Read full description

Say goodbye to the hassle of tracking and splitting expenses! Split It is your go-to app for effortless expense management, tailored to help you keep track of shared expenses and easily split costs with friends and family. With Split It, you can securely log into your bank accounts via Plaid to automatically track and monitor transactions. The app will send you real-time push notifications whenever a transaction that might need splitting is detected. Weekly and monthly reminders keep you on top of your expenses, and a streamlined dashboard offers a clear view of your transaction history. Key Features: - Automatic Expense Tracking: Log in via Plaid to effortlessly track all your transactions. - Smart Notifications: Get notified instantly when a transaction you may want to split is detected. - Easy Transaction Splitting: View transaction history in one place, making it simple to select and split. - Quick Contact Syncing: Syncs with your contacts for quick and easy payment splitting via Venmo. - Reminders & Dashboard: Weekly and monthly reminders with a clean, organized dashboard to stay on top of your finances. Download Split It now and simplify the way you manage shared expenses. Whether it's splitting dinner, rent, or a group trip, Split It makes it fast, secure, and easy. “Split it Unlimited” subscriptions purchased in-app renew monthly. To avoid renewal, you must turn off auto-renew at least 24 hours before your subscription ends. You can turn off auto-renew at any time by visiting the App Store. Privacy Policy: https://split-it.app/privacy-policy Terms of Service: https://split-it.app/terms-of-service

Screenshots

Papaya4 screens
Split It3 screens

Verdict

The call

The clearest difference is in-app purchases: Papaya at none against Split It's 1. Split It's advantage is update cadence (daily vs fortnightly) and iOS requirement (14.0.0 vs 17.0). On price, ads and device support 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. Split It sells 1 in-app purchase, starting at $4.99 per month. Papaya asks for nothing beyond the download.

UpkeepUpdate frequency

Papaya ships an update fortnightly, Split It daily. The most recent releases landed on September 25, 2026 and September 9, 2026 respectively.

Scorecard3 real differences · 7 level
Papaya versus Split It: the parameters behind the verdict, then further details
ParameterPapayaSplit It
PriceFreeFree
Rating4.8 (118K ratings) — better—
Positive reviews58.7% of reviews—
Number of ratings118K — better—
Update frequencyFortnightlyDaily — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree—
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS17.014.0.0 — better
Further details — not scored
Size53 MB100 MB
Age rating4+4+
DeveloperSnapPays Mobile, IncWill Hobick

Bugs and requests

Papaya

Reported bugs

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

Requested features

4 requests
  • 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 It

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Papaya

No in-app purchases

1 purchases

Split It

Subscriptions1
  • Split It7 Days trial$4.991 Month

Questions

Is Papaya free?
Papaya is free to download, with no in-app purchases.
Is Split It free?
Split It is free to download, with in-app purchases available.
Do Papaya or Split It have ads?
Neither Papaya nor Split It shows ads.
Which is updated more often, Papaya or Split It?
Papaya ships an update fortnightly, and Split It daily. Most recently, Papaya was updated on September 25, 2026 and Split It on September 9, 2026.

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