Comparison

PayWho vs Check Mate

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

Head to head
About

PayWho

Features
Read full description

PayWho — Quick Bill Splitting for Groups Going out with friends? Someone paid for dinner, someone else grabbed the cake, and not everyone shared every item. PayWho handles exactly this — no spreadsheet needed. HOW IT WORKS Just 3 steps: 1. Add your group — enter everyone's names 2. Add the bills — set the amount, who paid, and who's splitting it 3. Hit Split Bill — PayWho calculates exactly who owes who, and how much PayWho consolidates all the individual bills into the simplest possible set of transactions. Instead of a web of payments between everyone, you get a clean list: "Ben pays Alice $46.67, Claire pays Alice $30.00" — done. PERFECT FOR - Birthday dinners & parties - Group holidays & trips - Gatherings where different people paid for different things - Any situation where you just want to settle up fast WHY PAYWHO No login required — open and go No in-app purchases — completely free Works offline — no internet needed Handles multiple bills with different payers and different participants Clears up in seconds — made for settling up on the spot The name? A nod to PayLah and PayNow — because after PayWho tells you the breakdown, you know exactly who to pay.

About

Check Mate

Effortlessly divide shared expenses with friends and family. Snap a photo of your bill, itemize costs, and clearly see who owes whom. Keep a history of all your shared expenses for easy tracking and transparent financial transactions.

Highlights
  • Bill photo scanning
  • Automatic expense identification
  • Customizable expense itemization
  • Clear 'who owes whom' breakdown
  • Shareable settlement reports
  • History of all bills
Read full description

Tired of the hassle of splitting bills with friends or family? Introducing Check Mate, the ultimate bill-splitting app that takes the pain out of managing expenses! Whether you're dining out, shopping, or sharing costs on any occasion, Check Mate is your go-to solution for precise and efficient bill splitting. Key Features: – Bill Photo Scanning: No more manual data entry! Simply snap a photo of the bill, and Check Mate will automatically identify all the expenses, saving you time and effort. – Expenses Itemisation: Customize how you split expenses with ease. Choose to divide costs equally or by quantity, ensuring everyone pays their fair share. – Who Owes Whom: Wondering who owes whom? Check Mate provides a detailed breakdown, making it crystal clear who needs to settle up with whom. – Sharing Settlements: Easily share a comprehensive bill report with all participants, including a clear summary of who owes money to whom. No more confusion or disputes! – Bills List: Keep track of your expenses effortlessly. Check Mate stores a history of all your bills, so you can review your spending anytime, anywhere. Say goodbye to the headache of manual calculations and disputes over shared expenses. Check Mate simplifies your life by streamlining the bill-splitting process, ensuring fairness and transparency in all your financial transactions. Download Check Mate today and experience stress-free bill splitting like never before. Your next outing with friends or family will be a breeze!

Screenshots

PayWho4 screens
Check Mate4 screens

Verdict

The call

The clearest difference is device support: PayWho at 3 against Check Mate's 1. PayWho also leads on iOS requirement (15.0 vs 17.0). On price, update cadence, ads and in-app purchases 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.

UpkeepUpdate frequency

PayWho ships an update every 2 weeks, Check Mate monthly. The most recent releases landed on November 7, 2026 and November 12, 2026 respectively.

Scorecard2 real differences · 8 level
PayWho versus Check Mate: the parameters behind the verdict, then further details
ParameterPayWhoCheck Mate
PriceFreeFree
Rating—5.0 (4 ratings) — better
Positive reviews—83.3% of reviews
Number of ratings—4 — better
Update frequencyEvery 2 weeks — betterMonthly
AdsNoNo
In-app purchasesNoNo
Monetization—Free
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS15.0 — better17.0
Further details — not scored
Size74 MB9 MB
Age rating4+4+
DeveloperCHIAM JACK KENAizhan Kozhakhmetova

In-app purchases

None

PayWho

No in-app purchases

None

Check Mate

No in-app purchases

Questions

Is PayWho free?
PayWho is free to download, with no in-app purchases.
Is Check Mate free?
Check Mate is free to download, with no in-app purchases.
Do PayWho or Check Mate have ads?
Neither PayWho nor Check Mate shows ads.
Which is updated more often, PayWho or Check Mate?
PayWho ships an update every 2 weeks, and Check Mate monthly. Most recently, PayWho was updated on November 7, 2026 and Check Mate on November 12, 2026.

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