# PayCaptain vs Stream

The clearest difference is update cadence: Stream at weekly against PayCaptain's every 2 months. PayCaptain's advantage is review sentiment (33% vs 19%). On price, ads, in-app purchases and monetization model there is nothing between them.

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

PayCaptain ships an update every 2 months, Stream weekly. The most recent releases landed on October 22, 2026 and October 25, 2026 respectively.

## The numbers

| Metric | PayCaptain | Stream |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[4.7 (732 ratings)](https://appshunter.io/ios/app/stream-workplace-finance/id1551009637/reviews)** |
| Number of ratings | — | **732** |
| Positive reviews | **33.3% of reviews** | 18.9% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Weekly** |
| Monetization | Free | Free |
| Size | 33 MB | 55 MB |
| Requires iOS | 16.0 | **15.0** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [PayCaptain Payroll Solutions Limited](https://appshunter.io/developer/1541469179) | [Stream Platforms, Inc.](https://appshunter.io/developer/1532222758) |

## What reviewers say

### PayCaptain

[App page](https://appshunter.io/ios/app/paycaptain/id1541469177)

This app provides employees with interactive payslips, a chatbot for pay-related questions, and automated wage advances. It also facilitates savings, charitable donations, and flexible pay splitting, alongside personal financial wellness guidance.

**Highlights:** Interactive payslips with chatbot, Automated wage advances up to £200, Dedicated Visa Debit Card, Automatic savings transfers, Tax-free charity donations, Flexible pay splitting, Financial wellness guidance

**Features:** macOS Compatibility

**In-app purchases:** none


### Stream

[App page](https://appshunter.io/ios/app/stream-workplace-finance/id1551009637)

Manage your finances with this app that allows you to access earnings early, track spending, save with high interest, and access exclusive discounts. It also offers tools for tax optimization and personalized AI coaching.

**Highlights:** Choose when you get paid, Check shifts and earnings, Save with high interest, Track spending across accounts, Exclusive brand discounts, AI money coach support

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🤙🏼 Lifesaver for bridging paychecks
- 👍🏼 Well worth it
- 💡 Savings feature is great
- 😊 Relieved to access pay early

**What reviewers complain about**

- 😞 No customer service
- 😠 Hidden fees for withdrawals
- 💸 Paychecks not processed on time
- 🚫 App is a mess
- 📉 Fees increase over time

**Reported bugs**

- Account reactivated after deactivation
- App not loading, stuck in loading screen
- App support page not opening
- App freezes on white screen
- Cannot add card for transfer

**Requested features**

- Option to delete account
- Better customer service response time
- Notification for new messages
- Fix app loading issues
- Allow access to paychecks when payday changes


## Frequently asked questions

### Is PayCaptain free?

PayCaptain is free to download, with no in-app purchases.

### Is Stream free?

Stream is free to download, with no in-app purchases.

### Do PayCaptain or Stream have ads?

Neither PayCaptain nor Stream shows ads.

### Which is updated more often, PayCaptain or Stream?

PayCaptain ships an update every 2 months, and Stream weekly. Most recently, PayCaptain was updated on October 22, 2026 and Stream on October 25, 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.*