Xpress Bill Pay vs Pay with Sublime
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.
Pay with Sublime
Manage and reduce your recurring bills with flexible weekly payment plans. Earn cash back on payments and let AI automatically find discounts and savings programs for you.
- Split bills into 4 weekly payments
- Earn 5% cash back on payments
- AI bill lowering and savings
- Manage cell phone, internet, insurance, utilities, and more
- Bank-level encryption for security
- Clear pricing with no hidden fees
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Pay your bills over time — then lower them. Sublime is the smartest way to manage the bills you already pay and save. Split bills into easy weekly payments, earn cash back, and let AI bring your bills down in the background. SPLIT ANY BILL INTO 4 WEEKLY PAYMENTS Stop juggling between due dates and payday. Sublime pays your bills, and you pay back over time on your schedule. A $400 bill becomes four $100 weeks — no late fees, no surprises, no overdrafts. EARN 5% CASH BACK WHEN YOU PAY OVER TIME The more bills you run through Sublime, the more you earn back. Get paid, to pay your bills. AI THAT LOWERS YOUR BILLS AUTOMATICALLY Sublime scans your accounts to find where you're overpaying, then applies discounts, promotions, and savings programs you qualify for. You don't haggle, call customer service, or compare quotes — Sublime does it for you. WORKS ON THE BILLS YOU ALREADY PAY Cell phone and internet Auto and home insurance Electricity, gas, and water Childcare and daycare Streaming and subscriptions BUILT FOR YOUR PEACE OF MIND Bank-level encryption. Clear pricing. No hidden fees. You're always in control of what gets paid and when. Download Sublime and start paying less for the bills you can't avoid.
Screenshots
Verdict
Xpress Bill Pay and Pay with Sublime both sit at 4.8 stars, but that hides the real split: 79% of Pay with Sublime's written reviews are positive against 46% of Xpress Bill Pay's. Pay with Sublime also leads on update cadence (every 10 days vs every 6 weeks). Xpress Bill Pay's advantage is ratings volume (28K vs 237) and iOS requirement (12.2 vs 18.5). On price, rating, ads and in-app purchases 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. Neither carries in-app purchases, so what you see is what you pay.
On the App Store both sit at effectively the same score — 4.8 for Xpress Bill Pay against 4.7 for Pay with Sublime. That said, the two scores are not equally well evidenced: Xpress Bill Pay has 28K ratings behind it against 237, so its average is the more settled of the two. Written reviews are what separate them: 46% of Xpress Bill Pay's written reviews are positive against 79% of Pay with Sublime's.
Xpress Bill Pay ships an update every 6 weeks, Pay with Sublime every 10 days. Both last shipped on November 9, 2026.
| Parameter | Xpress Bill Pay | Pay with Sublime |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (28K ratings) — better | 4.7 (237 ratings) |
| Positive reviews | 46.3% of reviews | 78.9% of reviews — better |
| Number of ratings | 28K — better | 237 |
| Update frequency | Every 6 weeks | Every 10 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPad |
| Requires iOS | 12.2 — better | 18.5 |
| Further details — not scored | ||
| Size | 91 MB | 62 MB |
| Age rating | 4+ | 17+ |
| Developer | Xpress Solutions Inc. | Sublime Payments Company |
Customer experience
Xpress Bill Pay
Pay with Sublime
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
Pay with Sublime
Not enough reviews yet to summarise bugs or requests.
In-app purchases
Xpress Bill Pay
No in-app purchases
Pay with Sublime
No in-app purchases
Questions
Is Xpress Bill Pay free?
Is Pay with Sublime free?
Which has better reviews, Xpress Bill Pay or Pay with Sublime?
Do Xpress Bill Pay or Pay with Sublime have ads?
Which is updated more often, Xpress Bill Pay or Pay with Sublime?
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