Comparison

OweMe vs Pay Me Back!

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

Head to head
About

OweMe

Easily track money owed to you with this intuitive debt manager. It provides a clear overview of all outstanding debts and sends reminders for unpaid amounts, ensuring you always know where your money is.

Highlights
  • Track who owes you money
  • Reminders for unpaid debts
  • Overview of outstanding debts
  • Unlimited use (PRO)
  • Ad-free experience (PRO)
Features
Read full description

OweMe is an intuitive debt manager that lets you track who owes you money. It remembers you of unpaid debts and provides an overview of all outstanding debts so that you never have to wonder where did your money go. Note: The free version may be subject to limitations and the limitations are subject to change. PRO FEATURES: • All Air Apps • Unlimited use • 100% Ad-free • All features Choose from different subscription options. Our standard subscription options are: 1-month Subscription - USD9.99 1-year Subscription - USD69.99 Subscription payments will be charged to your iTunes account at confirmation of your purchase and upon commencement of each renewal term. Subscription with a free trial period will automatically renew to a paid subscription. You can cancel your subscription or free trial in the iTunes settings at least 24-hours before the end of each current subscription period. The cancellation will take effect the day after the last day of the current subscription period and you will be downgraded to the free service. Any unused portion of a free trial period (if offered) will be forfeited when you purchase a premium subscription during the free trial period. Facebook: https://www.facebook.com/airappsco Twitter: https://twitter.com/airappsco Instagram: https://www.instagram.com/airappsco Privacy Policy: https://airapps.co/privacy Terms Of Use: https://airapps.co/terms Support: support@airapps.co

About

Pay Me Back!

Easily track and settle shared expenses with friends. Record event costs and get clear instructions on who owes whom, and how much. You can also mark payments as settled.

Highlights
  • Record event expenses
  • Calculate who owes whom
  • Specify payment amounts
  • Track payment status
  • Share settlement details
Features
Read full description

App made your expense and payment easy! Troubled with complicated payment transactions with friends? "Pay Me Back" can help you record the expenses of your events, and tells you how (how much and to/from whom) you can pay settle the payment among event members. Just input the expense detail, you will get the result and share with your friends! You may also record payment status.

Screenshots

OweMe4 screens
Pay Me Back!4 screens

Verdict

The call

The clearest difference is in-app purchases: Pay Me Back! at none against OweMe's 14. Pay Me Back! also leads on rating (5.0 vs 4.7) and review sentiment (75% vs 61%). OweMe's advantage is ads (none vs shown) and ratings volume (323 vs 3). On price and device support 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. OweMe sells 13 in-app purchases, starting at $4.99 per 7 days. Pay Me Back! asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

Pay Me Back! holds the better App Store score, 5.0 against 4.7. That said, the two scores are not equally well evidenced: OweMe has 323 ratings behind it against 3, so its average is the more settled of the two. Written reviews point the same way: 61% of OweMe's written reviews are positive against 75% of Pay Me Back!'s.

UpkeepUpdate frequency

OweMe ships an update every 5 weeks, Pay Me Back! every 6 months. The most recent releases landed on October 25, 2026 and October 7, 2026 respectively.

Scorecard8 real differences · 2 level
OweMe versus Pay Me Back!: the parameters behind the verdict, then further details
ParameterOweMePay Me Back!
PriceFreeFree
Rating4.7 (323 ratings)5.0 (3 ratings) — better
Positive reviews61.1% of reviews75.0% of reviews — better
Number of ratings323 — better3
Update frequencyEvery 5 weeks — betterEvery 6 months
AdsNo — betterYes
In-app purchasesYesNo — better
MonetizationFreemiumAd-supported — better
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS12.1 — better14.0
Further details — not scored
Size76 MB26 MB
Age rating4+4+
DeveloperAir Apps SystemsFung Yiu Fu

Customer experience

OweMe

All ratings322 ratings
Positive93.2%
Neutral2.5%
Negative4.3%
Written reviews18 reviews
Positive61.1%
Neutral11.1%
Negative27.8%

Pay Me Back!

All ratings3 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews12 reviews
Positive75.0%
Neutral16.7%
Negative8.3%

In-app purchases

13 purchases

OweMe

Subscriptions13
  • Air Apps Pro - 1 Week3 Days trial$4.997 Days
  • Air Apps One - 1 Week2 variants$4.997 Days
  • Air Apps One Welcome - 1 Week3 Days trial$4.997 Days
Show 10 more
  • Air Apps One - 1 Week$6.997 Days
  • Air Apps Pro3 Days trial$9.991 Month
  • Air Apps One - 1 Month$9.991 Month
  • Air Apps One - 1 Week$9.997 Days
  • Air Apps One - 1 Week3 Days trial$12.997 Days
  • Air Apps One - 1 Week7 Days trial$12.997 Days
  • Air Apps One - 1 Month$19.991 Month
  • Air Apps Pro - 1 Year3 Days trial$69.991 Year
  • Air Apps One - 1 Year$69.991 Year
  • Air Apps One - 1 Month$199.991 Month
None

Pay Me Back!

No in-app purchases

Questions

Is OweMe free?
OweMe is free to download, with in-app purchases available.
Is Pay Me Back! free?
Pay Me Back! is free to download, with no in-app purchases.
Which has better reviews, OweMe or Pay Me Back!?
Pay Me Back! is rated higher. OweMe averages 4.7 out of 5 from 323 ratings, while Pay Me Back! averages 5.0 from 3 ratings.
Do OweMe or Pay Me Back! have ads?
Pay Me Back! shows ads; OweMe does not.
Which is updated more often, OweMe or Pay Me Back!?
OweMe ships an update every 5 weeks, and Pay Me Back! every 6 months. Most recently, OweMe was updated on October 25, 2026 and Pay Me Back! on October 7, 2026.

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