Comparison

Virtual Card App vs Pay Me Back!

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

Head to head

Easy Payment Calculation

Free

🔧 Utilities

★ 5.03 ratingsView app →

About

Virtual Card App

Features

Read full description

Virtual Card App is designed for identifying the user identity through mobile app with Bluetooth and QR code technology for AST readers.

About

Pay Me Back!

Easily track and settle shared expenses with friends. Record event costs and get clear instructions on who owes whom, and how much. You can also mark payments as settled.

Highlights

Record event expenses
Calculate who owes whom
Specify payment amounts
Track payment status
Share settlement details

Features

Read full description

App made your expense and payment easy! Troubled with complicated payment transactions with friends? "Pay Me Back" can help you record the expenses of your events, and tells you how (how much and to/from whom) you can pay settle the payment among event members. Just input the expense detail, you will get the result and share with your friends! You may also record payment status.

Screenshots

Virtual Card App3 screens

Pay Me Back!4 screens

Verdict

The call

The clearest difference is ads: Virtual Card App at none against Pay Me Back!'s shown. Virtual Card App also leads on update cadence (every 6 weeks vs every 6 months). On price, in-app purchases, device support and iOS requirement 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. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

Virtual Card App ships an update every 6 weeks, Pay Me Back! every 6 months. The most recent releases landed on September 23, 2026 and September 19, 2026 respectively.

Scorecard2 real differences · 8 level

Virtual Card App versus Pay Me Back!: the parameters behind the verdict, then further details
Parameter	Virtual Card App	Pay Me Back!
Price	Free	Free
Rating	—	5.0 (3 ratings) — better
Positive reviews	—	75.0% of reviews
Number of ratings	—	3 — better
Update frequency	Every 6 weeks — better	Every 6 months
Ads	No — better	Yes
In-app purchases	No	No
Monetization	—	Ad-supported
Devices	iPhone, iPod	iPhone, iPad, iPod — better
Requires iOS	15.0	14.0 — better
Further details — not scored
Size	99 MB	26 MB
Age rating	4+	4+
Developer	Advanced System Technology Limited	Fung Yiu Fu

In-app purchases

None

Virtual Card App

No in-app purchases

None

Pay Me Back!

No in-app purchases

Questions

Is Virtual Card App free?

Virtual Card App is free to download, with no in-app purchases.

Is Pay Me Back! free?

Pay Me Back! is free to download, with no in-app purchases.

Do Virtual Card App or Pay Me Back! have ads?

Pay Me Back! shows ads; Virtual Card App does not.

Which is updated more often, Virtual Card App or Pay Me Back!?

Virtual Card App ships an update every 6 weeks, and Pay Me Back! every 6 months. Most recently, Virtual Card App was updated on September 23, 2026 and Pay Me Back! on September 19, 2026.