# Afterpay vs Mintpay | Pay Better.

The clearest difference is monetization model: Mintpay | Pay Better. at free against Afterpay's free with in-app purchases. Mintpay | Pay Better. also leads on device support (3 vs 1). Afterpay's advantage is ratings volume (753K vs 192) and rating (4.9 vs 4.6). On price, ads, in-app purchases and iOS requirement 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 4.6. That said, the two scores are not equally well evidenced: Afterpay has 753K ratings behind it against 192, so its average is the more settled of the two. Written reviews point the same way: 19% of Afterpay's written reviews are positive against 0% of Mintpay | Pay Better.'s.

Afterpay ships an update fortnightly, Mintpay | Pay Better. monthly. The most recent releases landed on October 31, 2026 and October 30, 2026 respectively.

## The numbers

| Metric | Afterpay | Mintpay | Pay Better. |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (753K ratings)](https://appshunter.io/ios/app/afterpay-pay-over-time/id1401019110/reviews)** | [4.6 (192 ratings)](https://appshunter.io/ios/app/mintpay-pay-better/id1587093030/reviews) |
| Number of ratings | **753K** | 192 |
| Positive reviews | **19.3% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Monthly |
| Monetization | Free with in-app purchases | **Free** |
| Best chart rank | **#33** | — |
| Size | 161 MB | 81 MB |
| Requires iOS | 16.0 | **15.5** |
| Devices | iPhone | **iPhone, iPad, iPod** |
| Age rating | 17+ | 17+ |
| Developer | [Afterpay](https://appshunter.io/developer/1221203041) | [Mintpay (Private) Limited](https://appshunter.io/developer/1587093032) |

## What reviewers say

### Afterpay

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

**Currently charting:** #33 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


### Mintpay | Pay Better.

[App page](https://appshunter.io/ios/app/mintpay-pay-better/id1587093030)

Shop smarter and earn rewards with this payment app. Choose to pay now for instant cashback in loyalty coins or pay later in three interest-free installments. Redeem your earned coins across a wide network of partner brands.

**Highlights:** Pay Now with instant cashback, Pay Later in 3 interest-free installments, Earn and redeem Mint Coins, Shop at 2,500+ partner brands, Track payments and spending, Instant account verification

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

**In-app purchases:** none


## Frequently asked questions

### Is Afterpay free?

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

### Is Mintpay | Pay Better. free?

Mintpay | Pay Better. is free to download, with no in-app purchases.

### Which has better reviews, Afterpay or Mintpay | Pay Better.?

Afterpay is rated higher. Afterpay averages 4.9 out of 5 from 753K ratings, while Mintpay | Pay Better. averages 4.6 from 192 ratings.

### Do Afterpay or Mintpay | Pay Better. have ads?

Neither Afterpay nor Mintpay | Pay Better. shows ads.

### Which is updated more often, Afterpay or Mintpay | Pay Better.?

Afterpay ships an update fortnightly, and Mintpay | Pay Better. monthly. Most recently, Afterpay was updated on October 31, 2026 and Mintpay | Pay Better. on October 30, 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.*