# Settlements vs PaytoMe

The clearest difference is rating: PaytoMe at 4.3 against Settlements's 1.0. PaytoMe also leads on ratings volume (219 vs 1) and update cadence (weekly vs every 3 weeks). Settlements's advantage is ads (none vs shown). On price, in-app purchases, monetization model and device support there is nothing between them.

Both are free to download. Settlements sells 2 one-off in-app purchases and PaytoMe sells 3 in-app purchases, starting at $9.99 per 7 days. Whichever you choose, the download price is not the number that matters.

PaytoMe holds the better App Store score, 4.3 against 1.0. That said, the two scores are not equally well evidenced: PaytoMe has 219 ratings behind it against 1, so its average is the more settled of the two.

Settlements ships an update every 3 weeks, PaytoMe weekly. The most recent releases landed on September 29, 2026 and October 17, 2026 respectively.

## The numbers

| Metric | Settlements | PaytoMe |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.0 (1 ratings)](https://appshunter.io/ios/app/settlements/id1493347231/reviews) | **[4.3 (219 ratings)](https://appshunter.io/ios/app/paytome-class-action-claims/id6756244309/reviews)** |
| Number of ratings | 1 | **219** |
| Positive reviews | — | 40.0% of reviews |
| In-app purchases | Yes | Yes |
| Ads | **No** | Yes |
| Update frequency | Every 3 weeks | **Weekly** |
| Monetization | Freemium | Free with in-app purchases |
| Size | 14 MB | 61 MB |
| Requires iOS | 26.0 | **13.0** |
| Devices | iPhone | **iPhone, iPod** |
| Age rating | 4+ | 17+ |
| Developer | [Jay Patel](https://appshunter.io/developer/1493208243) | [Miner Tycoon Limited](https://appshunter.io/developer/1791660908) |

## What reviewers say

### Settlements

[App page](https://appshunter.io/ios/app/settlements/id1493347231)

Easily manage shared expenses and settle debts with friends and family. Track bills, add members, and set currencies for seamless financial coordination. Offers both free and premium features for enhanced expense management.

**Highlights:** Add settlements for groups, Track individual bills, Add members by phone number, Set custom currencies, Light and dark appearance modes, Access to charts and themes (Plus), One-tap settlement (Plus)

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Settlement Plus Monthly | $0.99 | one-time |
| Settlement Plus Yearly | $9.99 | one-time |


### PaytoMe

[App page](https://appshunter.io/ios/app/paytome-class-action-claims/id6756244309)

Easily claim cash from unclaimed class action settlement funds. This app helps you identify eligible cases, submit claims, and track your compensation without needing legal expertise or hiring a lawyer.

**Highlights:** Check eligible cases, Submit claim applications, Track lawsuit progress, Monitor compensation funds, Receive settlement cash

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| vip1_week | $9.99 | per 7 days |
| vip1_year | $29.99 | per year |
| claim pack | $9.99 | one-time |


## Frequently asked questions

### Is Settlements free?

Settlements is free to download, with in-app purchases available.

### Is PaytoMe free?

PaytoMe is free to download, with in-app purchases available.

### Which has better reviews, Settlements or PaytoMe?

PaytoMe is rated higher. Settlements averages 1.0 out of 5 from 1 ratings, while PaytoMe averages 4.3 from 219 ratings.

### Do Settlements or PaytoMe have ads?

PaytoMe shows ads; Settlements does not.

### Which is updated more often, Settlements or PaytoMe?

Settlements ships an update every 3 weeks, and PaytoMe weekly. Most recently, Settlements was updated on September 29, 2026 and PaytoMe on October 17, 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.*