Folio AM vs ISPC Pay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Folio AM
Manage your community association from your mobile device. Access important documents, make payments, and communicate with your association all in one convenient place.
- Make payments
- View account ledger
- Access association documents
- Submit architectural applications
- Review violations
- Board member tasks
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HomeRiver Connect App is a mobile-friendly way to communicate and access your community association. HomeRiver Connect allows you to make payments, view your account, and access your community information all in one place. To login to the App simply use the same email and password you use for the website version. If you do not have a current login to your association website, simply click the register button and submit your information. Once your registration is approved, you will receive an email with a link to set your password and then you will be able to log into your account directly from the app. If you already have a login and do not remember your password, click the Forgot Password link, enter your email address to request a password reset and you will receive an email with a link to set your password. Once set, you can log in with your email and your new password. Once logged in, homeowners will have direct access to the following features: • Easily switch between accounts if multiple properties are owned • Homeowner dashboard • Access association documents, meeting minutes, forms, budgets, and financials • Access association directories • Access association photos • Contact us • Make payments • Review violations • Submit architectural applications • Access your account ledger In addition Board members will be able to take advantage of the following features: • Board tasks • ACC Review • Board documents • Violations review • Invoice approval
ISPC Pay
Manage your ISPC account securely and quickly from your phone. Make payments, view your account information, and track your payment history. Future payments are simplified with saved account details and biometric login options.
- Secure account management
- Quick payments
- View account information
- Payment history tracking
- Biometric login (fingerprint/facial recognition)
- Saved account details for easy future payments
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Manage your ISPC Account QUICKLY and SECURELY, right from your phone. Never miss an ISPC monthly payment or pay a late fee again! Download ISPC’s app now. Then, use your ISPC account number to log in the first time, you can make payments, view your account information and payment history. After doing this once, future payments will be even easier as the app remembers your account information and you can log in using fingerprint ID or facial recognition! Download the app now!
Screenshots
Verdict
The clearest difference is rating: Folio AM at 2.4 against ISPC Pay's 1.9. Folio AM also leads on review sentiment (33% vs 0%) and ratings volume (27 vs 8). ISPC Pay's advantage is update cadence (every 4 weeks vs every 2 months). On price, ads, in-app purchases and monetization model 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Folio AM holds the better App Store score, 2.4 against 1.9. Both are backed by a comparable volume of ratings — 27 and 8 respectively. Written reviews point the same way: 33% of Folio AM's written reviews are positive against 0% of ISPC Pay's.
Folio AM ships an update every 2 months, ISPC Pay every 4 weeks. The most recent releases landed on September 20, 2026 and September 14, 2026 respectively.
| Parameter | Folio AM | ISPC Pay |
|---|---|---|
| Price | Free | Free |
| Rating | 2.4 (27 ratings) — better | 1.9 (8 ratings) |
| Positive reviews | 33.3% of reviews — better | 0.0% of reviews |
| Number of ratings | 27 — better | 8 |
| Update frequency | Every 2 months | Every 4 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 12.2 | 11.0 — better |
| Further details — not scored | ||
| Size | 142 MB | 51 MB |
| Age rating | 4+ | 4+ |
| Developer | CINC Systems | The Independent Savings Plan Co |
Customer experience
Folio AM
ISPC Pay
In-app purchases
Folio AM
No in-app purchases
ISPC Pay
No in-app purchases









