Comparison

JSpending vs dlxPAY

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

Head to head
About

JSpending

Easily track your budget to answer financial questions like "Can I afford this?" It offers a simple, clear view of your current budgeted amount without complex categories or gimmicks. Enjoy an ad-free experience with optional auto-renewing subscriptions.

Highlights
  • Simple budget tracking
  • Clear view of current budget
  • No spending categories
  • No complicated setup
  • Ad-free experience
  • Optional auto-renewing subscriptions
Features
Read full description

Welcome to J-Spending! Behold! Finally there is a simple solution to the age-old financial question: "Can I afford to go out tonight?" J-Spending makes it easy to answer this question (and similar questions) by providing you a simple view of your current budgeted amount. Simple, clear, and to the point. No spending categories, no complicated setup, no gimmicks. Best of all, NO ADDS! This app offers In-App Puchased as Auto-Renewing Subscriptions – Payment will be charged to iTunes Account at confirmation of purchase – Subscription automatically renews unless auto-renew is turned off at least 24-hours before the end of the current period – Account will be charged for renewal within 24-hours prior to the end of the current period, and identify the cost of the renewal – Subscriptions may be managed by the user and auto-renewal may be turned off by going to the user’s Account Settings after purchase – Privacy Policy : https://www.jspending.com/home/privacy - Terms and Conditions: https://www.jspending.com/home/terms – Any unused portion of a free trial period, if offered, will be forfeited when the user purchases a subscription to that publication, where applicable. Enjoy and tell your friends!

About

dlxPAY

This payment app offers a secure point-of-sale solution for merchants, enabling easy payment processing and comprehensive business management from a mobile device. It integrates with hardware for contactless and chip card transactions, providing detailed sales analytics.

Highlights
  • Secure payment processing
  • Ingenico Moby Reader integration
  • Contactless and EMV chip card acceptance
  • Comprehensive business management portal
  • Sales tracking and item management
  • Detailed business analytics
  • Intuitive user interface
Features
Read full description

Discover the ultimate point-of-sale solution tailored for merchants with dlxPAY. This payment app transforms your payment processing and business management, all from the convenience of your mobile device. Key Features: • Secure Payment Processing: Effortlessly accept payments with our secure and easy-to-use app, designed to meet all your transaction needs. • Ingenico Moby Reader Integration: Pair the app with the Ingenico Moby reader to accept contactless payments and EMV chip card transactions, ensuring a smooth and reliable checkout process for your customers. • Comprehensive Business Management: Leverage the Deluxe Payment Platform portal to track sales, manage items, and access detailed analytics, giving you a complete view of your business performance. • Intuitive Interface: Navigate your point-of-sale operations with ease using our streamlined and user-friendly design, perfect for busy merchants. Why Choose dlxPAY? dlxPAY is built to empower merchants with cutting-edge payment technology and powerful business tools. Whether you're in-store or on the move, this app is your all-in-one solution for accepting payments and managing your business with confidence.

Screenshots

JSpending4 screens
dlxPAY4 screens

Verdict

The call

The clearest difference is in-app purchases: dlxPAY at none against JSpending's 3. dlxPAY also leads on ratings volume (15 vs 1) and update cadence (every 3 months vs every 7 months). On price, rating, ads 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. JSpending sells 3 in-app purchases, starting at $0.99 per month. dlxPAY asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 5.0 for JSpending against 4.9 for dlxPAY. That said, the two scores are not equally well evidenced: dlxPAY has 15 ratings behind it against 1, so its average is the more settled of the two.

UpkeepUpdate frequency

JSpending ships an update every 7 months, dlxPAY every 3 months. The most recent releases landed on October 29, 2026 and October 30, 2026 respectively.

Scorecard4 real differences · 6 level
JSpending versus dlxPAY: the parameters behind the verdict, then further details
ParameterJSpendingdlxPAY
PriceFreeFree
Rating5.0 (1 ratings) — better4.9 (15 ratings)
Positive reviews—87.5% of reviews
Number of ratings115 — better
Update frequencyEvery 7 monthsEvery 3 months — better
AdsNoNo
In-app purchasesYesNo — better
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.014.0 — better
Further details — not scored
Size77 MB240 MB
Age rating4+4+
DeveloperJacob ClarkDeluxe Corp

Customer experience

JSpending

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

dlxPAY

All ratings15 ratings
Positive93.3%
Neutral6.7%
Negative0.0%
Written reviews8 reviews
Positive87.5%
Neutral12.5%
Negative0.0%

In-app purchases

3 purchases

JSpending

Subscriptions3
  • Online Subscription$0.991 Month
  • Banking Subscription$5.991 Month
  • Premier Subscription$8.991 Month
None

dlxPAY

No in-app purchases

Questions

Is JSpending free?
JSpending is free to download, with in-app purchases available.
Is dlxPAY free?
dlxPAY is free to download, with no in-app purchases.
Which has better reviews, JSpending or dlxPAY?
JSpending is rated higher. JSpending averages 5.0 out of 5 from 1 ratings, while dlxPAY averages 4.9 from 15 ratings.
Do JSpending or dlxPAY have ads?
Neither JSpending nor dlxPAY shows ads.
Which is updated more often, JSpending or dlxPAY?
JSpending ships an update every 7 months, and dlxPAY every 3 months. Most recently, JSpending was updated on October 29, 2026 and dlxPAY on October 30, 2026.

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