# Xpress Bill Pay vs Billy

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.

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. The most recent releases landed on October 25, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | Xpress Bill Pay | Billy |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.8 (27K ratings)](https://appshunter.io/ios/app/xpress-bill-pay/id1324958503/reviews) | **[5.0 (2 ratings)](https://appshunter.io/ios/app/billy-split-bills-instantly/id6736915357/reviews)** |
| Number of ratings | **27K** | 2 |
| Positive reviews | 46.8% of reviews | **100.0% of reviews** |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 6 weeks | **Every 11 days** |
| Monetization | Free | Free |
| Size | 91 MB | 39 MB |
| Requires iOS | **12.2** | 15.1 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Xpress Solutions Inc.](https://appshunter.io/developer/1041568229) | [Sungtae Kim](https://appshunter.io/developer/1773812036) |

## What reviewers say

### Xpress Bill Pay

[App page](https://appshunter.io/ios/app/xpress-bill-pay/id1324958503)

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.

**Highlights:** 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

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

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 🚀 Convenient bill payment
- 💡 Helpful features like paperless statements
- 👍 User-friendly app
- 👍 Quick and easy to pay bills

**What reviewers complain about**

- 🐛 Update loop issues
- 🐛 App not working after updates
- 🐛 Routing number/payment issues
- 🐛 Inability to make multiple payments at once
- 🐛 Incompatibility with certain payment methods

**Reported bugs**

- Update loop causing login issues
- App crashing on launch
- Payment method validation problems
- Scheduled payments not showing up

**Requested features**

- 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

[App page](https://appshunter.io/ios/app/billy-split-bills-instantly/id6736915357)

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.

**Highlights:** Scan receipts with a photo, Automatic line item extraction, Assign items to individuals, Calculate tip and tax, Instant total calculation, Shareable expense summaries

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 5 Credits | $1.99 | one-time |
| 10 Credits | $2.99 | one-time |
| 20 Credits | $3.99 | one-time |


## Frequently asked questions

### Is Xpress Bill Pay free?

Xpress Bill Pay is free to download, with no in-app purchases.

### Is Billy free?

Billy is free to download, with in-app purchases available.

### Which has better reviews, Xpress Bill Pay or Billy?

Billy is rated higher. Xpress Bill Pay averages 4.8 out of 5 from 27K ratings, while Billy averages 5.0 from 2 ratings.

### Do Xpress Bill Pay or Billy have ads?

Neither Xpress Bill Pay nor Billy shows ads.

### Which is updated more often, Xpress Bill Pay or Billy?

Xpress Bill Pay ships an update every 6 weeks, and Billy every 11 days. Most recently, Xpress Bill Pay was updated on October 25, 2026 and Billy on October 24, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*