# Folio AM vs ISPC Pay

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.

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 October 1, 2026 and September 14, 2026 respectively.

## The numbers

| Metric | Folio AM | ISPC Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[2.4 (27 ratings)](https://appshunter.io/ios/app/folio-am/id1490065245/reviews)** | [1.9 (8 ratings)](https://appshunter.io/ios/app/ispc-pay/id1521331327/reviews) |
| Number of ratings | **27** | 8 |
| Positive reviews | **33.3% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 4 weeks** |
| Monetization | Free | Free |
| Size | 142 MB | 51 MB |
| Requires iOS | 12.2 | **11.0** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [CINC Systems](https://appshunter.io/developer/673135886) | [The Independent Savings Plan Co](https://appshunter.io/developer/555115367) |

## What reviewers say

### Folio AM

[App page](https://appshunter.io/ios/app/folio-am/id1490065245)

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:** macOS Compatibility

**In-app purchases:** none


### ISPC Pay

[App page](https://appshunter.io/ios/app/ispc-pay/id1521331327)

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:** macOS Compatibility

**In-app purchases:** none


## Frequently asked 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 October 1, 2026 and ISPC Pay on September 14, 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.*