# PayForMe vs GT eToken

The clearest difference is review sentiment: PayForMe at 82% against GT eToken's 4%. PayForMe also leads on rating (5.0 vs 1.8). GT eToken's advantage is ratings volume (93 vs 2) and update cadence (every 2 months vs every 4 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.

PayForMe holds the better App Store score, 5.0 against 1.8. That said, the two scores are not equally well evidenced: GT eToken has 93 ratings behind it against 2, so its average is the more settled of the two. Written reviews point the same way: 82% of PayForMe's written reviews are positive against 4% of GT eToken's.

PayForMe ships an update every 4 months, GT eToken every 2 months. The most recent releases landed on July 24, 2026 and August 17, 2026 respectively.

## The numbers

| Metric | PayForMe | GT eToken |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (2 ratings)](https://appshunter.io/ios/app/payforme/id1500428306/reviews)** | [1.8 (93 ratings)](https://appshunter.io/ios/app/gt-etoken/id6443600518/reviews) |
| Number of ratings | 2 | **93** |
| Positive reviews | **81.8% of reviews** | 3.6% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 4 months | **Every 2 months** |
| Monetization | Free | Free |
| Size | 4 MB | 51 MB |
| Requires iOS | 15.0 | **10.0** |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Jona Koenig](https://appshunter.io/developer/1764825010) | [Guaranty Trust Bank PLC](https://appshunter.io/developer/662878574) |

## What reviewers say

### PayForMe

[App page](https://appshunter.io/ios/app/payforme/id1500428306)

Easily track money lent and borrowed between friends. Manage multiple projects, view balances, and clear debts efficiently. Color-coding helps differentiate users for better organization.

**Highlights:** Track borrowed money, Manage multiple projects, View member balances, Create and update bills, Clear individual debts, Color-coded user differentiation

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

**In-app purchases:** none


### GT eToken

[App page](https://appshunter.io/ios/app/gt-etoken/id6443600518)

This app generates secure one-time passwords (OTPs) for authenticating electronic transactions like online banking. It offers a convenient mobile alternative to hardware tokens, requiring a simple activation process and a personal passcode for access.

**Highlights:** Generates one-time passwords (OTPs), Authenticates electronic transactions, Mobile alternative to hardware tokens, Secure 6-digit passcode for login, 24/7 banking access

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- ✅ Helpful customer support team (when reachable)
- 🌍 Useful for diaspora customers without hardware token
- ⚡ Fast authentication with biometric when working

**What reviewers complain about**

- 🐛 App freezes and crashes frequently
- ❌ Fails to activate with debit card details
- 📧 OTP codes not sent to email or phone
- 🔄 Updates break existing functionality
- ⏱️ Extremely slow loading times (15-20 seconds)

**Reported bugs**

- App fails to activate with correct debit card information
- OTP generation and delivery failures
- Generate OTP button overlaps with menu icons and is unclickable
- Terms and conditions checkbox not clickable
- App freezes requiring phone restart to function

**Requested features**

- Revert to previous version or hardware token system
- Implement better error messages with solutions
- Add offline functionality for transactions
- Improve customer service accessibility (email, chat support)
- Modernize technology infrastructure with AI improvements


## Frequently asked questions

### Is PayForMe free?

PayForMe is free to download, with no in-app purchases.

### Is GT eToken free?

GT eToken is free to download, with no in-app purchases.

### Which has better reviews, PayForMe or GT eToken?

PayForMe is rated higher. PayForMe averages 5.0 out of 5 from 2 ratings, while GT eToken averages 1.8 from 93 ratings.

### Do PayForMe or GT eToken have ads?

Neither PayForMe nor GT eToken shows ads.

### Which is updated more often, PayForMe or GT eToken?

PayForMe ships an update every 4 months, and GT eToken every 2 months. Most recently, PayForMe was updated on July 24, 2026 and GT eToken on August 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.*