Comparison

Papaya vs Split

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

Head to head
About

Papaya

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
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

Features
Read full description

Split the bill the easy way — whether it's tonight's dinner or an ongoing trip or group event. LIVE SPLIT — the whole table, on their own phones Put Split's QR on the table. Everyone scans, taps the items they had, and the total adds up in real time, tax and tip handled. No app or account needed to join. No spreadsheet, no "who had the steak?", no chasing anyone for money. GROUPS — for expenses that don't end after one night Roommates, trips, couples, teams — keep a running tally of who paid and who owes whom. Split any expense the way that's actually fair: evenly, by exact amounts, by percentage, by shares, or by item. Every split type comes with a plain-English explanation, so everyone understands exactly how it was divided. Split does the math and shows the simplest way to settle up. SCAN ANY RECEIPT Snap a photo and Split reads the line items, tax, and tip. Assign each item with a tap, fix anything inline. Foreign receipts convert to your currency automatically. PAY OR GET PAID IN A TAP Settle up through Venmo, Cash App, PayPal, and more — right from the split. Free to start. Split Pro unlocks unlimited groups, members, receipt scans, and Quick Splits. Split Pro is $3.99/month and renews automatically. Your account is charged at confirmation of purchase; it renews unless canceled at least 24 hours before the current period ends. Manage or cancel anytime in your store account settings. Terms of Use (EULA): https://split.foundrystudiolabs.com/terms Privacy Policy: https://split.foundrystudiolabs.com/privacy

Screenshots

Papaya4 screens
Split4 screens

Verdict

The call

The clearest difference is in-app purchases: Papaya at none against Split's 1. Split's advantage is update cadence (every 10 days vs every 3 weeks) and iOS requirement (14.0 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 sells 1 in-app purchase, starting at $3.99 per month. Papaya asks for nothing beyond the download.

UpkeepUpdate frequency

Papaya ships an update every 3 weeks, Split every 10 days. The most recent releases landed on November 8, 2026 and November 5, 2026 respectively.

Scorecard3 real differences · 7 level
Papaya versus Split: the parameters behind the verdict, then further details
ParameterPapayaSplit
PriceFreeFree
Rating4.8 (118K ratings) — better—
Positive reviews58.2% of reviews—
Number of ratings118K — better—
Update frequencyEvery 3 weeksEvery 10 days — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree—
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS17.014.0 — better
Further details — not scored
Size51 MB20 MB
Age rating4+4+
DeveloperSnapPays Mobile, IncFoundry Studio Labs LLC

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

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Papaya

No in-app purchases

1 purchases

Split

Subscriptions1
  • Split Pro$3.991 Month

Questions

Is Papaya free?
Papaya is free to download, with no in-app purchases.
Is Split free?
Split is free to download, with in-app purchases available.
Do Papaya or Split have ads?
Neither Papaya nor Split shows ads.
Which is updated more often, Papaya or Split?
Papaya ships an update every 3 weeks, and Split every 10 days. Most recently, Papaya was updated on November 8, 2026 and Split on November 5, 2026.

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