Comparison

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.

Head to head
About

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.

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
Read full description

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.

About

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.

Highlights
  • 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
Features
Read full description

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

Xpress Bill Pay4 screens
Pay with Sublime4 screens

Verdict

The call

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

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

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.

UpkeepUpdate frequency

Xpress Bill Pay ships an update every 6 weeks, Pay with Sublime every 10 days. Both last shipped on November 9, 2026.

Scorecard4 real differences · 6 level
Xpress Bill Pay versus Pay with Sublime: the parameters behind the verdict, then further details
ParameterXpress Bill PayPay with Sublime
PriceFreeFree
Rating4.8 (28K ratings) — better4.7 (237 ratings)
Positive reviews46.3% of reviews78.9% of reviews — better
Number of ratings28K — better237
Update frequencyEvery 6 weeksEvery 10 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS12.2 — better18.5
Further details — not scored
Size91 MB62 MB
Age rating4+17+
DeveloperXpress Solutions Inc.Sublime Payments Company

Customer experience

Xpress Bill Pay

All ratings25,917 ratings
Positive94.4%
Neutral1.9%
Negative3.7%
Written reviews201 reviews
Positive46.3%
Neutral7.5%
Negative46.3%

Pay with Sublime

All ratings237 ratings
Positive92.0%
Neutral1.7%
Negative6.3%
Written reviews19 reviews
Positive78.9%
Neutral0.0%
Negative21.1%

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

None

Xpress Bill Pay

No in-app purchases

None

Pay with Sublime

No in-app purchases

Questions

Is Xpress Bill Pay free?
Xpress Bill Pay is free to download, with no in-app purchases.
Is Pay with Sublime free?
Pay with Sublime is free to download, with no in-app purchases.
Which has better reviews, Xpress Bill Pay or Pay with Sublime?
Xpress Bill Pay is rated higher. Xpress Bill Pay averages 4.8 out of 5 from 28K ratings, while Pay with Sublime averages 4.7 from 237 ratings.
Do Xpress Bill Pay or Pay with Sublime have ads?
Neither Xpress Bill Pay nor Pay with Sublime shows ads.
Which is updated more often, Xpress Bill Pay or Pay with Sublime?
Xpress Bill Pay ships an update every 6 weeks, and Pay with Sublime every 10 days. Most recently, Xpress Bill Pay was updated on November 9, 2026 and Pay with Sublime on November 9, 2026.

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