Comparison

OmniFund vs JSpending

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

Head to head
About

OmniFund

Accept various payment types, including EMV, swiped cards, and eChecks, directly from your mobile device. Track all payment activity online and benefit from your own merchant account for potential savings and faster funding.

Highlights
  • Accept EMV, swiped, key-entered, eCheck, and cash payments
  • Online tracking and reporting of payment activity
  • Inexpensive payment processing
  • Access to your own merchant account
  • Faster funding times
Features
Read full description

The OmniFund mobile payment application is designed to quickly and easily accept EMV, swiped card, key entered, eCheck, and cash payments from your customers. Access complete tracking and reports of payment activity online through the OmniFund payment platform and gateway. OmniFund provides an inexpensive and effective way to accept payments while on the go without paying the super high fees of aggregators. Get your own merchant account for increased savings and faster funding times. Note: This application works in conjunction with a processing account established through OmniFund. The card reader attachment is not shipped automatically and is available for an additional nominal charge.

About

JSpending

Easily track your budget to answer financial questions like "Can I afford this?" It offers a simple, clear view of your current budgeted amount without complex categories or gimmicks. Enjoy an ad-free experience with optional auto-renewing subscriptions.

Highlights
  • Simple budget tracking
  • Clear view of current budget
  • No spending categories
  • No complicated setup
  • Ad-free experience
  • Optional auto-renewing subscriptions
Features
Read full description

Welcome to J-Spending! Behold! Finally there is a simple solution to the age-old financial question: "Can I afford to go out tonight?" J-Spending makes it easy to answer this question (and similar questions) by providing you a simple view of your current budgeted amount. Simple, clear, and to the point. No spending categories, no complicated setup, no gimmicks. Best of all, NO ADDS! This app offers In-App Puchased as Auto-Renewing Subscriptions – Payment will be charged to iTunes Account at confirmation of purchase – Subscription automatically renews unless auto-renew is turned off at least 24-hours before the end of the current period – Account will be charged for renewal within 24-hours prior to the end of the current period, and identify the cost of the renewal – Subscriptions may be managed by the user and auto-renewal may be turned off by going to the user’s Account Settings after purchase – Privacy Policy : https://www.jspending.com/home/privacy - Terms and Conditions: https://www.jspending.com/home/terms – Any unused portion of a free trial period, if offered, will be forfeited when the user purchases a subscription to that publication, where applicable. Enjoy and tell your friends!

Screenshots

OmniFund4 screens
JSpending4 screens

Verdict

The call

The clearest difference is in-app purchases: OmniFund at none against JSpending's 3. OmniFund also leads on ratings volume (3 vs 1) and iOS requirement (12.0 vs 15.0). 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. JSpending sells 3 in-app purchases, starting at $0.99 per month. OmniFund asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 5.0 for OmniFund against 5.0 for JSpending. Both are backed by a comparable volume of ratings — 3 and 1 respectively.

UpkeepUpdate frequency

OmniFund ships an update every 8 months, JSpending every 7 months. The most recent releases landed on November 2, 2026 and November 3, 2026 respectively.

Scorecard4 real differences · 6 level
OmniFund versus JSpending: the parameters behind the verdict, then further details
ParameterOmniFundJSpending
PriceFreeFree
Rating5.0 (3 ratings)5.0 (1 ratings)
Positive reviews100.0% of reviews—
Number of ratings3 — better1
Update frequencyEvery 8 monthsEvery 7 months — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS12.0 — better15.0
Further details — not scored
Size9 MB77 MB
Age rating4+4+
DeveloperOmniFundJacob Clark

Customer experience

OmniFund

All ratings3 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

JSpending

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

OmniFund

No in-app purchases

3 purchases

JSpending

Subscriptions3
  • Online Subscription$0.991 Month
  • Banking Subscription$5.991 Month
  • Premier Subscription$8.991 Month

Questions

Is OmniFund free?
OmniFund is free to download, with no in-app purchases.
Is JSpending free?
JSpending is free to download, with in-app purchases available.
Which has better reviews, OmniFund or JSpending?
OmniFund and JSpending are both rated 5.0 out of 5 on the App Store, from 3 and 1 ratings respectively.
Do OmniFund or JSpending have ads?
Neither OmniFund nor JSpending shows ads.
Which is updated more often, OmniFund or JSpending?
OmniFund ships an update every 8 months, and JSpending every 7 months. Most recently, OmniFund was updated on November 2, 2026 and JSpending on November 3, 2026.

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