JSpending vs dlxPAY
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- Simple budget tracking
- Clear view of current budget
- No spending categories
- No complicated setup
- Ad-free experience
- Optional auto-renewing subscriptions
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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!
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.
- 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
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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
Verdict
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
Both are free to download. JSpending sells 3 in-app purchases, starting at $0.99 per month. dlxPAY asks for nothing beyond the download.
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.
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.
| Parameter | JSpending | dlxPAY |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (1 ratings) — better | 4.9 (15 ratings) |
| Positive reviews | — | 87.5% of reviews |
| Number of ratings | 1 | 15 — better |
| Update frequency | Every 7 months | Every 3 months — better |
| Ads | No | No |
| In-app purchases | Yes | No — better |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.0 | 14.0 — better |
| Further details — not scored | ||
| Size | 77 MB | 240 MB |
| Age rating | 4+ | 4+ |
| Developer | Jacob Clark | Deluxe Corp |
Customer experience
JSpending
dlxPAY
In-app purchases
JSpending
- Online Subscription$0.991 Month
- Banking Subscription$5.991 Month
- Premier Subscription$8.991 Month
dlxPAY
No in-app purchases









