# JSpending vs dlxPAY

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.

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.

## The numbers

| Metric | JSpending | dlxPAY |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (1 ratings)](https://appshunter.io/ios/app/jspending/id1530056105/reviews)** | [4.9 (15 ratings)](https://appshunter.io/ios/app/dlxpay/id6502401442/reviews) |
| Number of ratings | 1 | **15** |
| Positive reviews | — | 87.5% of reviews |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | Every 7 months | **Every 3 months** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 77 MB | 240 MB |
| Requires iOS | 15.0 | **14.0** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Jacob Clark](https://appshunter.io/developer/1411591428) | [Deluxe Corp](https://appshunter.io/developer/419706056) |

## What reviewers say

### JSpending

[App page](https://appshunter.io/ios/app/jspending/id1530056105)

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:** macOS Compatibility, Vision Pro support

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Online Subscription | $0.99 | per month |
| Banking Subscription | $5.99 | per month |
| Premier Subscription | $8.99 | per month |


### dlxPAY

[App page](https://appshunter.io/ios/app/dlxpay/id6502401442)

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:** macOS Compatibility

**In-app purchases:** none


## Frequently asked 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.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*