Sail Pay vs Ownli
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Sail Pay
This app facilitates group payments, allowing users to instantly split transactions in person or online. It supports both one-time and recurring expenses, eliminating the need to chase payments from others. Create groups of two or more to start splitting costs effortlessly.
- Instant transaction splitting
- In-person and online payments
- Supports recurring transactions
- Create groups for splitting
- Eliminates need to ask for money back
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Sail Pay allows you to pay together. Sail is the group payment platform that allows you to instantly split a transaction at the point of sail, in person, or online. Whether it be a one-time purchase or recurring transactions sail pay covers it all. You will never have to ask for your money back again. Create groups of 2 or more people and start splitting instantly.
Ownli
This app allows users to capture and certify their personal data, then sell it directly to businesses. Users can earn rewards and discounts for sharing their information, creating a personalized experience.
- Capture personal data
- Certify data with AI
- Sell data to businesses
- Earn rewards and discounts
- Personalized experiences
- Marketplace access
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Ownli helps you capture, certify, and sell your personal data to businesses that want to interact with you directly and provide you a completely personalized experience based on who you are, what you need, and when you need it. The Ownli Platform: With Ownli, you have access to a marketplace where your certified personal data is the currency. Here, you can sell your data to businesses that value you as an individual for rewards and discounts towards their products and services. Those rewards may be one-time or recurring, and may even come with behavior-based bonuses. How It Works: With Ownli, self-reporting various forms of personal data is easy. For example, self-reporting your mileage data is as easy as taking one photo of your car and one of your odometer. From there, our AI models certify your data, making it valuable for businesses that want to know more about you and reward you for access to it.
Screenshots
Verdict
The clearest difference is review sentiment: Ownli at 95% against Sail Pay's 0%. Ownli also leads on rating (4.9 vs 4.4) and ratings volume (79 vs 7). Sail Pay's advantage is ads (none vs shown) and update cadence (every 5 days vs monthly). 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Ownli holds the better App Store score, 4.9 against 4.4. That said, the two scores are not equally well evidenced: Ownli has 79 ratings behind it against 7, so its average is the more settled of the two. Written reviews point the same way: 0% of Sail Pay's written reviews are positive against 95% of Ownli's.
Sail Pay ships an update every 5 days, Ownli monthly. The most recent releases landed on September 18, 2026 and June 8, 2026 respectively.
| Parameter | Sail Pay | Ownli |
|---|---|---|
| Price | Free | Free |
| Rating | 4.4 (7 ratings) | 4.9 (79 ratings) — better |
| Positive reviews | 0.0% of reviews | 95.5% of reviews — better |
| Number of ratings | 7 | 79 — better |
| Update frequency | Every 5 days — better | Monthly |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Monetization | Free — better | Ad-supported |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 15.6 | 14.0 — better |
| Further details — not scored | ||
| Size | 98 MB | 115 MB |
| Age rating | 4+ | 4+ |
| Developer | Umbrella Applications, LLC | Parked |
Customer experience
Sail Pay
Ownli
Bugs and requests
Sail Pay
Not enough reviews yet to summarise bugs or requests.
Ownli
Reported bugs
2 issues- App stuck on loading screen after update
- Camera feature difficulty focusing on odometer readings
Requested features
4 requests- Add ATV and other transportation types to photo submissions
- PayPal or alternative cash-out options
- More earning opportunities and tasks
- Support for non-US regions
In-app purchases
Sail Pay
No in-app purchases
Ownli
No in-app purchases
