Xpress Bill Pay vs Billy
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Xpress Bill Pay
This app allows users to pay bills quickly and securely through partnerships with local city and billing organizations. It simplifies the payment process by letting you select your provider, look up your account, and set up auto-pay. Receive real-time alerts and pay using various methods.
- Quick and secure bill payments
- Partnerships with local billing organizations
- Auto-pay functionality
- Up-to-the-minute account alerts
- Payment via credit/debit card or bank account
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Use Xpress Bill Pay to pay your bills quickly and securely. We've partnered with your local city and other billing organizations to provide you with the simplest way to pay. Getting started is as simple as selecting your billing organizations and looking up your account. Features include: - Never miss a bill again with auto pay - Up to the minute account alerts - Pay with your credit / debit card or bank account.
Billy
Effortlessly divide expenses from receipts by snapping a photo. The app automatically scans items, allows easy assignment to friends, and calculates exact amounts owed, including tip and tax. Share clear summaries instantly without needing to log in.
- Scan receipts with a photo
- Automatic line item extraction
- Assign items to individuals
- Calculate tip and tax
- Instant total calculation
- Shareable expense summaries
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Split bills from a receipt in seconds. Snap a photo and Billy scans your receipt, pulls out each line item, and lets you quickly assign items to friends. Add tip and tax, and Billy instantly calculates who owes what. Then share a clean summary in one tap. No logins. No spreadsheets. Just fast, fair bill splitting. Perfect for dinners, takeout, coffee runs, roommates, and group trips. How it works: - Snap a photo of your receipt - Review scanned items - Assign items to each person - Add tip/tax if needed - See totals instantly - Share a ready-to-send summary
Screenshots
Verdict
The clearest difference is review sentiment: Billy at 100% against Xpress Bill Pay's 47%. Billy also leads on update cadence (every 11 days vs every 6 weeks) and rating (5.0 vs 4.8). Xpress Bill Pay's advantage is in-app purchases (none vs 3) and ratings volume (27K vs 2). On price, ads, monetization model 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
Both are free to download. Billy sells 3 one-off in-app purchases. Xpress Bill Pay asks for nothing beyond the download.
Billy holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: Xpress Bill Pay has 27K ratings behind it against 2, so its average is the more settled of the two. Written reviews point the same way: 47% of Xpress Bill Pay's written reviews are positive against 100% of Billy's.
Xpress Bill Pay ships an update every 6 weeks, Billy every 11 days. Both last shipped on October 24, 2026.
| Parameter | Xpress Bill Pay | Billy |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (27K ratings) | 5.0 (2 ratings) — better |
| Positive reviews | 46.8% of reviews | 100.0% of reviews — better |
| Number of ratings | 27K — better | 2 |
| Update frequency | Every 6 weeks | Every 11 days — better |
| Ads | No | No |
| In-app purchases | No — better | Yes |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 12.2 — better | 15.1 |
| Further details — not scored | ||
| Size | 91 MB | 39 MB |
| Age rating | 4+ | 4+ |
| Developer | Xpress Solutions Inc. | Sungtae Kim |
Customer experience
Xpress Bill Pay
Billy
Bugs and requests
Xpress Bill Pay
Reported bugs
4 issues- Update loop causing login issues
- App crashing on launch
- Payment method validation problems
- Scheduled payments not showing up
Requested features
5 requests- Ability to schedule payments
- Option to pay multiple bills at once
- More detailed bill information
- Touch ID/biometric login support
- Improved dark mode compatibility
Billy
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Xpress Bill Pay
No in-app purchases
Billy
- 5 Credits$1.99
- 10 Credits$2.99
- 20 Credits$3.99
