# Folio vs ClearPay

The clearest difference is update cadence: ClearPay at every 5 days against Folio's every 2 weeks. ClearPay also leads on iOS requirement (12.4 vs 15.2). 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.

Folio ships an update every 2 weeks, ClearPay every 5 days. The most recent releases landed on October 4, 2026 and October 3, 2026 respectively.

## The numbers

| Metric | Folio | ClearPay |
| --- | --- | --- |
| Price | Free | Free |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 weeks | **Every 5 days** |
| Size | 85 MB | 21 MB |
| Requires iOS | 15.2 | **12.4** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Cognitiv Limited](https://appshunter.io/developer/1578748576) | [Fedeth Microfinance Bank Limited](https://appshunter.io/developer/1624892255) |

## What reviewers say

### Folio

[App page](https://appshunter.io/ios/app/folio/id1597199011)

**Features:** macOS Compatibility, Apple Wallet

**In-app purchases:** none


### ClearPay

[App page](https://appshunter.io/ios/app/clearpay/id6711354051)

**Features:** Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Folio free?

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

### Is ClearPay free?

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

### Do Folio or ClearPay have ads?

Neither Folio nor ClearPay shows ads.

### Which is updated more often, Folio or ClearPay?

Folio ships an update every 2 weeks, and ClearPay every 5 days. Most recently, Folio was updated on October 4, 2026 and ClearPay on October 3, 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.*