Comparison

Folio AM vs ISPC Pay

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

Head to head
About

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.

Highlights
  • Make payments
  • View account ledger
  • Access association documents
  • Submit architectural applications
  • Review violations
  • Board member tasks
Features
Read full description

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

About

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.

Highlights
  • Secure account management
  • Quick payments
  • View account information
  • Payment history tracking
  • Biometric login (fingerprint/facial recognition)
  • Saved account details for easy future payments
Features
Read full description

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

Folio AM4 screens
ISPC Pay3 screens

Verdict

The call

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

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

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.

UpkeepUpdate frequency

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.

Scorecard4 real differences · 6 level
Folio AM versus ISPC Pay: the parameters behind the verdict, then further details
ParameterFolio AMISPC Pay
PriceFreeFree
Rating2.4 (27 ratings) — better1.9 (8 ratings)
Positive reviews33.3% of reviews — better0.0% of reviews
Number of ratings27 — better8
Update frequencyEvery 2 monthsEvery 4 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS12.211.0 — better
Further details — not scored
Size142 MB51 MB
Age rating4+4+
DeveloperCINC SystemsThe Independent Savings Plan Co

Customer experience

Folio AM

All ratings27 ratings
Positive33.3%
Neutral0.0%
Negative66.7%
Written reviews9 reviews
Positive33.3%
Neutral0.0%
Negative66.7%

ISPC Pay

All ratings8 ratings
Positive25.0%
Neutral0.0%
Negative75.0%
Written reviews2 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

In-app purchases

None

Folio AM

No in-app purchases

None

ISPC Pay

No in-app purchases

Questions

Is Folio AM free?
Folio AM is free to download, with no in-app purchases.
Is ISPC Pay free?
ISPC Pay is free to download, with no in-app purchases.
Which has better reviews, Folio AM or ISPC Pay?
Folio AM is rated higher. Folio AM averages 2.4 out of 5 from 27 ratings, while ISPC Pay averages 1.9 from 8 ratings.
Do Folio AM or ISPC Pay have ads?
Neither Folio AM nor ISPC Pay shows ads.
Which is updated more often, Folio AM or ISPC Pay?
Folio AM ships an update every 2 months, and ISPC Pay every 4 weeks. Most recently, Folio AM was updated on September 20, 2026 and ISPC Pay on September 14, 2026.

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