# Afterpay vs MyPay

The clearest difference is rating: Afterpay at 4.9 against MyPay's 1.6. Afterpay also leads on ratings volume (753K vs 5) and review sentiment (20% vs 0%). MyPay's advantage is monetization model (free vs free with in-app purchases) and iOS requirement (14.0 vs 16.0). On price, update cadence, ads and in-app purchases there is nothing between them.

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

Afterpay holds the better App Store score, 4.9 against 1.6. That said, the two scores are not equally well evidenced: Afterpay has 753K ratings behind it against 5, so its average is the more settled of the two. Written reviews point the same way: 20% of Afterpay's written reviews are positive against 0% of MyPay's.

Both ship on a similar rhythm, roughly fortnightly. The most recent releases landed on October 27, 2026 and October 12, 2026 respectively.

## The numbers

| Metric | Afterpay | MyPay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (753K ratings)](https://appshunter.io/ios/app/afterpay-pay-over-time/id1401019110/reviews)** | [1.6 (5 ratings)](https://appshunter.io/ios/app/mypay/id1545971111/reviews) |
| Number of ratings | **753K** | 5 |
| Positive reviews | **19.5% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Fortnightly | Fortnightly |
| Monetization | Free with in-app purchases | **Free** |
| Best chart rank | **#37** | — |
| Size | 161 MB | 19 MB |
| Requires iOS | 16.0 | **14.0** |
| Devices | iPhone | **iPhone, iPod** |
| Age rating | 17+ | 4+ |
| Developer | [Afterpay](https://appshunter.io/developer/1221203041) | [Whiz S.A.C.](https://appshunter.io/developer/1126229185) |

## What reviewers say

### Afterpay

[App page](https://appshunter.io/ios/app/afterpay-pay-over-time/id1401019110)

**Currently charting:** #37 Top Free · Shopping (US App Store)

Shop your favorite brands online or in-store and split your purchases into manageable payments. Get what you want now and pay over time with flexible installment plans, including options to pay in 4 installments or monthly.

**Highlights:** Split purchases into 4 payments, Monthly payment options available, Discover exclusive deals and brands, Shop in-store with tap-to-pay, Manage payments and orders, Unlock spending power, Gift card purchases

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 🚀 Convenient payment plan
- 💳 No interest or hidden fees
- 🤝 Good customer service (initially)
- 📈 Increasing credit limit with usage
- 🛒 Wide range of participating stores

**What reviewers complain about**

- 🐛 App/website technical issues
- 🔒 Security and privacy concerns
- 🤖 Lack of human customer support
- 🔽 Drastic credit limit reductions
- 🚫 Accounts closed/banned for minor issues

**Reported bugs**

- Orders not processing properly
- Payment issues and declined transactions
- Inability to update payment information
- App crashes and login problems

**Requested features**

- Report payments to credit bureaus
- More flexible payment scheduling options
- In-app customer service chat/phone support
- Ability to use Afterpay for recurring bills/expenses


### MyPay

[App page](https://appshunter.io/ios/app/mypay/id1545971111)

Skip checkout lines at affiliated stores by scanning product barcodes, paying via your phone, and showing your digital receipt. This app offers a contactless shopping experience, saving you time and reducing physical contact.

**Highlights:** Scan product barcodes, In-app mobile payments, Digital receipt generation, Contactless checkout, Skip in-store queues

**In-app purchases:** none


## Frequently asked questions

### Is Afterpay free?

Afterpay is free to download, with no in-app purchases.

### Is MyPay free?

MyPay is free to download, with no in-app purchases.

### Which has better reviews, Afterpay or MyPay?

Afterpay is rated higher. Afterpay averages 4.9 out of 5 from 753K ratings, while MyPay averages 1.6 from 5 ratings.

### Do Afterpay or MyPay have ads?

Neither Afterpay nor MyPay shows ads.

### Which is updated more often, Afterpay or MyPay?

Afterpay ships an update fortnightly, and MyPay fortnightly. Most recently, Afterpay was updated on October 27, 2026 and MyPay on October 12, 2026.

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