# Paidy vs かぎんPayB

The clearest difference is review sentiment: かぎんPayB at 77% against Paidy's 6%. かぎんPayB also leads on ads (none vs shown) and monetization model (free vs free with in-app purchases). Paidy's advantage is update cadence (fortnightly vs every 8 months). On price, in-app purchases, device support and iOS requirement there is nothing between them.

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

Paidy ships an update fortnightly, かぎんPayB every 8 months. The most recent releases landed on October 26, 2026 and October 25, 2026 respectively.

## The numbers

| Metric | Paidy | かぎんPayB |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.4 (159K ratings)](https://appshunter.io/ios/app/paidy/id1220373112/reviews)** | — |
| Number of ratings | **159K** | — |
| Positive reviews | 6.3% of reviews | **76.9% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | **Fortnightly** | Every 8 months |
| Monetization | Free with in-app purchases | **Free** |
| Size | 165 MB | 2 MB |
| Requires iOS | **15.1** | 16.0 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [Paidy Inc.](https://appshunter.io/developer/1014964074) | [鹿児島銀行](https://appshunter.io/developer/940328962) |

## What reviewers say

### Paidy

[App page](https://appshunter.io/ios/app/paidy/id1220373112)

Shop now and pay later with just your smartphone. No credit card or pre-registration is needed. Consolidate your purchases into a monthly bill with flexible payment options, including installments at 0% interest for select plans.

**Highlights:** Buy now, pay later with smartphone, No credit card or pre-registration required, Monthly consolidated billing, Flexible payment methods (convenience store, bank transfer, auto-debit), 0% interest installment plans (3, 6, 12 months), Shop and discover products within the app, Apple product installment plans

**In-app purchases:** none


### かぎんPayB

[App page](https://appshunter.io/ios/app/payb/id1349075508)

Link your Kagoshima Bank account to pay bills and make purchases at PayB member stores. Settle utility bills, taxes, and more directly from your smartphone. Securely manage your payment history and customer information.

**Highlights:** Link multiple Kagoshima Bank accounts, Cashless payments at PayB stores, Pay utility bills and taxes, View payment history, Secure customer information management

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

**In-app purchases:** none


## Frequently asked questions

### Is Paidy free?

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

### Is かぎんPayB free?

かぎんPayB is free to download, with no in-app purchases.

### Do Paidy or かぎんPayB have ads?

Paidy shows ads; かぎんPayB does not.

### Which is updated more often, Paidy or かぎんPayB?

Paidy ships an update fortnightly, and かぎんPayB every 8 months. Most recently, Paidy was updated on October 26, 2026 and かぎんPayB on October 25, 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.*