# Optima Digital vs PayAky

The clearest difference is update cadence: PayAky at every 2 weeks against Optima Digital's every 3 months. On price, ads, in-app purchases and device support there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

Optima Digital ships an update every 3 months, PayAky every 2 weeks. The most recent releases landed on October 3, 2026 and October 12, 2026 respectively.

## The numbers

| Metric | Optima Digital | PayAky |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[5.0 (1 ratings)](https://appshunter.io/ios/app/payaky/id6751110269/reviews)** |
| Number of ratings | — | **1** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 2 weeks** |
| Monetization | — | Free |
| Size | 88 MB | 20 MB |
| Requires iOS | 15.6 | **15.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 12+ |
| Developer | [Optima Servicios Financieros](https://appshunter.io/developer/1503545013) | [Tenton LLC](https://appshunter.io/developer/1193242210) |

## What reviewers say

### Optima Digital

[App page](https://appshunter.io/ios/app/optima-digital/id1503545015)

**Features:** macOS Compatibility

**In-app purchases:** none


### PayAky

[App page](https://appshunter.io/ios/app/payaky/id6751110269)

Track your loans and view your payment schedule. Generate payment references for various stores and payment methods, including credit and debit cards. Receive timely notifications about your account.

**Highlights:** Loan tracking, Payment schedule visualization, Payment reference generation, Credit/debit card payments, Notifications

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

**In-app purchases:** none


## Frequently asked questions

### Is Optima Digital free?

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

### Is PayAky free?

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

### Do Optima Digital or PayAky have ads?

Neither Optima Digital nor PayAky shows ads.

### Which is updated more often, Optima Digital or PayAky?

Optima Digital ships an update every 3 months, and PayAky every 2 weeks. Most recently, Optima Digital was updated on October 3, 2026 and PayAky on October 12, 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.*