# Spentra vs Paychex Pay

Spentra and Paychex Pay both sit at 4.8 stars, but that hides the real split: 79% of Spentra's written reviews are positive against 12% of Paychex Pay's. Spentra also leads on monetization model (free vs free with in-app purchases). Paychex Pay's advantage is iOS requirement (13.0 vs 15.0). On price, rating, ratings volume and update cadence there is nothing between them.

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 Spentra against 4.7 for Paychex Pay. Both are backed by a comparable volume of ratings — 943 and 587 respectively. Written reviews are what separate them: 79% of Spentra's written reviews are positive against 12% of Paychex Pay's.

Spentra ships an update every 6 weeks, Paychex Pay every 2 months. The most recent releases landed on October 26, 2026 and October 27, 2026 respectively.

## The numbers

| Metric | Spentra | Paychex Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (943 ratings)](https://appshunter.io/ios/app/spentra/id1449725820/reviews)** | [4.7 (587 ratings)](https://appshunter.io/ios/app/paychex-pay/id6449838354/reviews) |
| Number of ratings | **943** | 587 |
| Positive reviews | **79.2% of reviews** | 11.8% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 6 weeks** | Every 2 months |
| Monetization | **Free** | Free with in-app purchases |
| Size | 48 MB | 83 MB |
| Requires iOS | 15.0 | **13.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 17+ | 17+ |
| Developer | [Spentra, LLC](https://appshunter.io/developer/1440521985) | [Paychex, Inc](https://appshunter.io/developer/476461118) |

## What reviewers say

### Spentra

[App page](https://appshunter.io/ios/app/spentra/id1449725820)

Access earned wages early and manage your pay with a dedicated payroll card. This solution offers instant access to a portion of your net wages before your payday, improving financial stability. Take control of your finances with features like card management, transaction alerts, and surcharge-free ATM access.

**Highlights:** Early access to earned wages, Manage payroll card, Instant transaction alerts, Block/unblock card, Surcharge-free ATM finder, No card or maintenance fees

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Easy and convenient
- 💡 Helpful for emergencies and unexpected expenses
- 👍 Secure transactions
- 👍 Ability to access earned wages instantly

**What reviewers complain about**

- 🐛 App not updating
- 🔒 Security issues, money taken from account
- 💰 Fees for withdrawals and card changes

**Reported bugs**

- App not updating since July 3rd
- Card never showed up

**Requested features**

- Card to account transfer feature
- Surcharge-free ATM access


### Paychex Pay

[App page](https://appshunter.io/ios/app/paychex-pay/id6449838354)

Manage your finances with an online account featuring a debit card and optional savings. Get paid faster, move money easily, and make quick purchases. Earn rewards and benefit from identity theft protection.

**Highlights:** Get paid up to 2 days earlier, Move money between accounts, Send money to friends, Contactless payments, Mobile check deposit, Optional savings account, Cash back rewards

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Spentra free?

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

### Is Paychex Pay free?

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

### Which has better reviews, Spentra or Paychex Pay?

Spentra is rated higher. Spentra averages 4.8 out of 5 from 943 ratings, while Paychex Pay averages 4.7 from 587 ratings.

### Do Spentra or Paychex Pay have ads?

Neither Spentra nor Paychex Pay shows ads.

### Which is updated more often, Spentra or Paychex Pay?

Spentra ships an update every 6 weeks, and Paychex Pay every 2 months. Most recently, Spentra was updated on October 26, 2026 and Paychex Pay on October 27, 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.*