Sail Pay vs Loca
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.
Loca
Earn cash rewards by promoting local businesses through video and participation in reward programs. Share ads with your network, discover local gems, and get paid for your content and visits. Turn everyday recommendations into income with flexible earning opportunities.
- Earn cash for sharing local ads
- Participate in reward programs
- Discover and promote local businesses
- Film, upload, and earn
- Flexible work schedule and content
- Secure in-app wallet for payouts
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Loca: Earn Extra Cash with Local Ads Want to make extra money easily? Loca connects local businesses with community members like you. Earn by sharing videos and participating in reward programs. No Need to Be Famous: You don't have to be an influencer. Your social media following size doesn't matter with Loca. Share ads with those who trust you most—friends, family, neighbors, and local acquaintances. Simple Process for Cash and Rewards: Browse campaigns set by local businesses, choose ones you like, and get paid for your content. It's as simple as: film, upload, earn! Discover and Promote Local Gems: Support neighborhood businesses while earning money. Visit local spots, take a photo of your receipt, and collect cash rewards. Help your community flourish as you earn! Flexibility and Control: Work on your terms. Pick your schedule and preferred content. Share through your choice of social media, websites, or mobile apps. Community Marketing Made Rewarding: Transform your local recommendations into income—word-of-mouth marketing that pays you back! Convenient Payouts: Store your earnings securely in your Loca wallet and transfer to your bank account whenever you want. Ready to start earning? Download Loca today and turn your everyday places experience into cash!
Screenshots
Verdict
The clearest difference is review sentiment: Loca at 95% against Sail Pay's 0%. Loca also leads on rating (4.4 vs 4.0) and ratings volume (55 vs 8). Sail Pay's advantage is update cadence (every 5 days vs fortnightly) and iOS requirement (15.6 vs 18.0). On price, ads, in-app purchases and monetization model 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.
Loca holds the better App Store score, 4.4 against 4.0. That said, the two scores are not equally well evidenced: Loca has 55 ratings behind it against 8, 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 Loca's.
Sail Pay ships an update every 5 days, Loca fortnightly. The most recent releases landed on November 3, 2026 and November 7, 2026 respectively.
| Parameter | Sail Pay | Loca |
|---|---|---|
| Price | Free | Free |
| Rating | 4.0 (8 ratings) | 4.4 (55 ratings) — better |
| Positive reviews | 0.0% of reviews | 95.2% of reviews — better |
| Number of ratings | 8 | 55 — better |
| Update frequency | Every 5 days — better | Fortnightly |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod — better | iPhone |
| Requires iOS | 15.6 — better | 18.0 |
| Further details — not scored | ||
| Size | 98 MB | 214 MB |
| Age rating | 4+ | 17+ |
| Developer | Umbrella Applications, LLC | Loca US, Corp. |
Customer experience
Sail Pay
Loca
In-app purchases
Sail Pay
No in-app purchases
Loca
No in-app purchases









