Papaya vs Pay with Sublime
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Pay any bill
- Fast payments
- Secure processing
- Multiple payment methods
- HIPAA and PCI compliant
- Bank-level security
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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
Pay with Sublime
This app helps you lower your bills by splitting payments and earning cash back. It automatically finds savings, negotiates on your behalf, and tracks your subscriptions. Take control of your finances and reduce expenses without direct customer service calls.
- Split bills into smaller payments
- Earn 5% cash back on timely payments
- Automatic bill negotiation
- Finds hidden savings
- Subscription tracking and management
- Due date alerts
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Pay your bills over time — then lower them. Sublime is the smartest way to manage the bills you already pay and save. Split bills into easy weekly payments, earn cash back, and let AI bring your bills down in the background. SPLIT ANY BILL INTO 4 WEEKLY PAYMENTS Stop juggling between due dates and payday. Sublime pays your bills, and you pay back over time on your schedule. A $400 bill becomes four $100 weeks — no late fees, no surprises, no overdrafts. EARN 5% CASH BACK WHEN YOU PAY OVER TIME The more bills you run through Sublime, the more you earn back. Get paid, to pay your bills. AI THAT LOWERS YOUR BILLS AUTOMATICALLY Sublime scans your accounts to find where you're overpaying, then applies discounts, promotions, and savings programs you qualify for. You don't haggle, call customer service, or compare quotes — Sublime does it for you. WORKS ON THE BILLS YOU ALREADY PAY Cell phone and internet Auto and home insurance Electricity, gas, and water Childcare and daycare Streaming and subscriptions BUILT FOR YOUR PEACE OF MIND Bank-level encryption. Clear pricing. No hidden fees. You're always in control of what gets paid and when. Download Sublime and start paying less for the bills you can't avoid.
Screenshots
Verdict
Papaya and Pay with Sublime both sit at 4.8 stars, but that hides the real split: 86% of Pay with Sublime's written reviews are positive against 59% of Papaya's. Papaya's advantage is ratings volume (118K vs 157). On price, rating, update cadence and ads 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.
On the App Store both sit at effectively the same score — 4.8 for Papaya against 4.7 for Pay with Sublime. That said, the two scores are not equally well evidenced: Papaya has 118K ratings behind it against 157, so its average is the more settled of the two. Written reviews are what separate them: 59% of Papaya's written reviews are positive against 86% of Pay with Sublime's.
Papaya ships an update fortnightly, Pay with Sublime every 9 days. The most recent releases landed on September 24, 2026 and September 21, 2026 respectively.
| Parameter | Papaya | Pay with Sublime |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (118K ratings) — better | 4.7 (157 ratings) |
| Positive reviews | 58.7% of reviews | 85.7% of reviews — better |
| Number of ratings | 118K — better | 157 |
| Update frequency | Fortnightly | Every 9 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad | iPhone, iPad |
| Requires iOS | 17.0 — better | 18.5 |
| Further details — not scored | ||
| Size | 53 MB | 61 MB |
| Age rating | 4+ | 17+ |
| Developer | SnapPays Mobile, Inc | Sublime Payments Company |
Customer experience
Papaya
Pay with Sublime
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
Pay with Sublime
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Papaya
No in-app purchases
Pay with Sublime
No in-app purchases
