Comparison

MERCO Credit Union vs Billchop

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

MERCO Credit Union

Manage your finances on the go with secure and free access to your accounts. Check balances, review transactions, transfer funds, and pay bills conveniently from your mobile device.

Highlights
  • Check account balances
  • Review recent transactions
  • Transfer funds between accounts
  • View and pay bills
  • Secure mobile access
Features
Read full description

Access your accounts when and where you want right in the palm of your hand. It’s fast, secure and free access to your accounts anytime, anywhere. You have access to check your balances, pay bills and transfer money...while you are on the go! Features: • Check your account balances • Review recent transactions • Transfer funds between your accounts • View and pay bills (you must be enrolled in bill pay within online banking) You need to be enrolled in Online Banking to use this app. To enroll, visit our website or any location. Mobile banking is free to access, but messaging and data rates may apply. Federally insured by the NCUA.

About

Billchop

Effortlessly split bills by snapping a photo of your receipt. AI parses items, allowing you to assign them to friends, track payments, and send requests through popular payment apps.

Highlights
  • AI receipt scanning
  • Item assignment to friends
  • Equal splitting option
  • Payment requests via Venmo, PayPal, etc.
  • Payment tracking
  • Contact saving with payment methods
  • Receipt history
Features
Read full description

BillChop makes splitting bills effortless. Just take a photo of your receipt and let AI do the rest. HOW IT WORKS 1. Snap — Take a photo of any receipt 2. Tap — Assign items to friends with a tap 3. Send — Request payments instantly via Venmo, PayPal, Cash App, Zelle, or Revolut. SMART AI PARSING Our AI reads your receipt and extracts every line item, tax, and tip automatically. No manual entry needed. SPLIT YOUR WAY • Assign individual items to specific people • Share items across multiple friends • Split everything equally with one tap EASY PAYMENTS • Send payment requests via Venmo, PayPal, Cash App, Zelle, or Revolut • Track who has paid and who hasn't • One-tap reminders for outstanding balances FRIENDS & CONTACTS • Save friends with their preferred payment methods • Import contacts from your phone • Quickly re-use your frequent splitting crew RECEIPT HISTORY • View past receipts and splits anytime • Track payment status across all your bills Download BillChop and never argue over the check again. Terms of ​Use (​EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

MERCO Credit Union4 screens
Billchop4 screens

Verdict

The call

The clearest difference is in-app purchases: MERCO Credit Union at none against Billchop's 2. MERCO Credit Union also leads on ratings volume (672 vs 5). Billchop's advantage is ads (none vs shown) and update cadence (every 5 days vs every 4 months). On price, device support and iOS requirement 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. Billchop sells 2 in-app purchases, starting at $4.99 per month. MERCO Credit Union asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

Billchop holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: MERCO Credit Union has 672 ratings behind it against 5, so its average is the more settled of the two. Written reviews point the same way: 78% of MERCO Credit Union's written reviews are positive against 100% of Billchop's.

UpkeepUpdate frequency

MERCO Credit Union ships an update every 4 months, Billchop every 5 days. The most recent releases landed on October 18, 2026 and October 6, 2026 respectively.

Scorecard7 real differences · 3 level
MERCO Credit Union versus Billchop: the parameters behind the verdict, then further details
ParameterMERCO Credit UnionBillchop
PriceFreeFree
Rating4.8 (672 ratings)5.0 (5 ratings) — better
Positive reviews77.8% of reviews100.0% of reviews — better
Number of ratings672 — better5
Update frequencyEvery 4 monthsEvery 5 days — better
AdsYesNo — better
In-app purchasesNo — betterYes
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.015.0
Further details — not scored
Size187 MB51 MB
Age rating4+4+
DeveloperMERCO Credit UnionWYATT JOHN MATSON

Customer experience

MERCO Credit Union

All ratings632 ratings
Positive95.1%
Neutral2.1%
Negative2.8%
Written reviews9 reviews
Positive77.8%
Neutral0.0%
Negative22.2%

Billchop

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews2 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

MERCO Credit Union

No in-app purchases

2 purchases

Billchop

Subscriptions2
  • Pro Monthly$4.991 Month
  • Pro Yearly$29.991 Year

Questions

Is MERCO Credit Union free?
MERCO Credit Union is free to download, with no in-app purchases.
Is Billchop free?
Billchop is free to download, with in-app purchases available.
Which has better reviews, MERCO Credit Union or Billchop?
Billchop is rated higher. MERCO Credit Union averages 4.8 out of 5 from 672 ratings, while Billchop averages 5.0 from 5 ratings.
Do MERCO Credit Union or Billchop have ads?
MERCO Credit Union shows ads; Billchop does not.
Which is updated more often, MERCO Credit Union or Billchop?
MERCO Credit Union ships an update every 4 months, and Billchop every 5 days. Most recently, MERCO Credit Union was updated on October 18, 2026 and Billchop on October 6, 2026.

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