PayBy vs Saving Circles
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
PayBy
This app offers a secure and convenient way to make cashless and contactless payments using facial recognition and fingerprint technology. It provides access to discounts, coupons, and loyalty benefits at various merchants, and allows users to manage bank cards, mobile top-ups, and cash transactions without visiting a bank.
- Facial recognition and fingerprint security
- QR code payments
- Cashless and contactless transactions
- Access to coupons and discounts
- Loyalty benefits
- Manage bank cards and mobile top-ups
- Cash in and out functionality
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As an Abu Dhabi-based Fintech company, PayBy is dedicated to meet your various payment needs with the world-class facial recognition and fingerprint technology that guards the security of your funds. Free from the cash-and-carry disorder. Have you ever used QR Code to pay? It’s a cashless, contactless, easy and convenient way to make online and offline payments. All you need is a smartphone and PayBy. Enjoy multiple Coupons & Discounts. Covering high-frequency payment scenarios, including supermarkets, pharmacies, hotels, we offer latest discounts, coupons and exclusive loyalty benefits. Be the first to know and save more with PayBy. More secure and faster access to shop. Guard the security of your shopping with the world-class technology. Only a few simple steps and you are ready to use PayBy. Manage your wallet & finances with higher security. Manage your Bank Card, Mobile Top-up and Cash In & Out without visiting the bank. Save yourself the time, hassle, and cost when managing your finances.
Saving Circles
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Only app that meets your group savings (committee) free for all. Easy signup, invite members, create your saving circle (committee) and keep record of all installments and draws. Manage multiple committee (saving circle) with option to add unlimited members. Notifications on draw and installments.
Screenshots
Verdict
PayBy and Saving Circles are too close to call on the numbers: across 5 compared parameters — price, ads, in-app purchases and device support among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
| Parameter | PayBy | Saving Circles |
|---|---|---|
| Price | Free | Free |
| Rating | 2.5 (11 ratings) — better | — |
| Positive reviews | 15.0% of reviews | — |
| Number of ratings | 11 — better | — |
| Update frequency | Every 5 weeks | — |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 11.0 — better | 12.0 |
| Further details — not scored | ||
| Size | 139 MB | 63 MB |
| Age rating | 17+ | 17+ |
| Developer | Botim Money Technology LLC | SoftLinks FZCO |
In-app purchases
PayBy
No in-app purchases
Saving Circles
No in-app purchases
