# VM Digital Token vs Payemm

The clearest difference is update cadence: Payemm at every 2 weeks against VM Digital Token's every 12 months. VM Digital Token's advantage is iOS requirement (13.0 vs 15.0). On price, ads, in-app purchases and device support there is nothing between them.

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

VM Digital Token ships an update every 12 months, Payemm every 2 weeks. The most recent releases landed on September 10, 2026 and September 4, 2026 respectively.

## The numbers

| Metric | VM Digital Token | Payemm |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[5.0 (1 ratings)](https://appshunter.io/ios/app/payemm/id6768655681/reviews)** |
| Number of ratings | — | **1** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 12 months | **Every 2 weeks** |
| Monetization | — | Free |
| Size | 6 MB | 112 MB |
| Requires iOS | **13.0** | 15.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [The Victoria Mutual Building Society](https://appshunter.io/developer/1475082282) | [Payemm Limited](https://appshunter.io/developer/1690624747) |

## What reviewers say

### VM Digital Token

[App page](https://appshunter.io/ios/app/vm-digital-token/id1555730354)

**Features:** macOS Compatibility

**In-app purchases:** none


### Payemm

[App page](https://appshunter.io/ios/app/payemm/id6768655681)

Manage everyday spending, from groceries to online shopping, by splitting costs into four easy fortnightly payments. Earn rewards and cashback for making payments on time or early, building better financial habits.

**Highlights:** Split payments into 4 fortnightly installments, Manage groceries, top-ups, and online shopping, Earn rewards and cashback for timely payments, Unlock benefits and bigger opportunities, Transparent payment schedules and terms, Secure transactions

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

**In-app purchases:** none


## Frequently asked questions

### Is VM Digital Token free?

VM Digital Token is free to download, with no in-app purchases.

### Is Payemm free?

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

### Do VM Digital Token or Payemm have ads?

Neither VM Digital Token nor Payemm shows ads.

### Which is updated more often, VM Digital Token or Payemm?

VM Digital Token ships an update every 12 months, and Payemm every 2 weeks. Most recently, VM Digital Token was updated on September 10, 2026 and Payemm on September 4, 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.*