# Virtual Card App vs Pay Me Back!

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.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

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.

## The numbers

| Metric | Virtual Card App | Pay Me Back! |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[5.0 (3 ratings)](https://appshunter.io/ios/app/pay-me-back/id1547165699/reviews)** |
| Number of ratings | — | **3** |
| Positive reviews | — | 75.0% of reviews |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | **Every 6 weeks** | Every 6 months |
| Monetization | — | Ad-supported |
| Size | 99 MB | 26 MB |
| Requires iOS | 15.0 | **14.0** |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Advanced System Technology Limited](https://appshunter.io/developer/1455926949) | [Fung Yiu Fu](https://appshunter.io/developer/1525085614) |

## What reviewers say

### Virtual Card App

[App page](https://appshunter.io/ios/app/virtual-card-app/id1539101804)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### Pay Me Back!

[App page](https://appshunter.io/ios/app/pay-me-back/id1547165699)

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:** macOS Compatibility

**In-app purchases:** none


## Frequently asked 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.

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