# medZERO vs PayLater

The clearest difference is review sentiment: medZERO at 100% against PayLater's 28%. medZERO also leads on rating (5.0 vs 3.5). PayLater's advantage is ratings volume (304 vs 6). On price, update cadence, ads and in-app purchases there is nothing between them.

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

medZERO holds the better App Store score, 5.0 against 3.5. That said, the two scores are not equally well evidenced: PayLater has 304 ratings behind it against 6, so its average is the more settled of the two. Written reviews point the same way: 100% of medZERO's written reviews are positive against 28% of PayLater's.

medZERO ships an update fortnightly, PayLater every 3 weeks. The most recent releases landed on October 7, 2026 and October 10, 2026 respectively.

## The numbers

| Metric | medZERO | PayLater |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (6 ratings)](https://appshunter.io/ios/app/medzero/id1596864661/reviews)** | [3.5 (304 ratings)](https://appshunter.io/ios/app/paylater-split-your-payments/id6738985290/reviews) |
| Number of ratings | 6 | **304** |
| Positive reviews | **100.0% of reviews** | 28.3% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Every 3 weeks |
| Monetization | Free | Free |
| Size | 26 MB | 106 MB |
| Requires iOS | 15.6 | 15.6 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [medZERO, Inc.](https://appshunter.io/developer/1595190478) | [Pay Later](https://appshunter.io/developer/1754177617) |

## What reviewers say

### medZERO

[App page](https://appshunter.io/ios/app/medzero/id1596864661)

Access funds instantly to cover out-of-pocket healthcare costs over time. Enjoy zero interest and zero fees on eligible expenses like glasses or past medical bills. Enrollment takes under 5 minutes.

**Highlights:** On-demand access to funds, Pay for healthcare expenses over time, Zero interest financing, Zero fees, Quick enrollment (under 5 minutes), Account information at your fingertips

**Features:** macOS Compatibility

**In-app purchases:** none


### PayLater

[App page](https://appshunter.io/ios/app/paylater-split-your-payments/id6738985290)

Split your purchases into four easy installments with this buy now, pay later service. Enjoy flexible payment options and secure transactions with no hidden fees. Shop at a wide network of top retailers.

**Highlights:** Split payments into 4 installments, Fast and easy onboarding, Secure PCI DSS-compliant transactions, Shop with a network of top retailers, Transparent fees, no hidden charges

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 Trusted
- 👍 Great experience

**What reviewers complain about**

- 💡 No Arabic language support
- 💡 Low spending limit
- 🐛 Debit card not supported
- 🐛 OTP not received
- 🐛 Unable to delete app and restart

**Reported bugs**

- Login screen freezes
- Incompatible with older devices

**Requested features**

- Monthly payment reminder
- Higher spending limits


## Frequently asked questions

### Is medZERO free?

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

### Is PayLater free?

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

### Which has better reviews, medZERO or PayLater?

medZERO is rated higher. medZERO averages 5.0 out of 5 from 6 ratings, while PayLater averages 3.5 from 304 ratings.

### Do medZERO or PayLater have ads?

Neither medZERO nor PayLater shows ads.

### Which is updated more often, medZERO or PayLater?

medZERO ships an update fortnightly, and PayLater every 3 weeks. Most recently, medZERO was updated on October 7, 2026 and PayLater on October 10, 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.*