Plentina PH vs TempoPay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Plentina PH
Access exclusive deals and pay-now vouchers from partner merchants for everyday essentials. Shop online or offline, with fast approval and easy payment options. Enjoy flat fees and no monthly interest rates.
- Exclusive deals and vouchers
- Pay-now options
- Fast and easy approval
- Shop online and offline
- Flat fees, no interest
- Multiple payment channels
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Avail exclusive deals, and pay-now vouchers for your everyday essentials with our merchant partners. Shop for products and services from your trusted stores and choose to pay upfront. Enjoy flat fees and no monthly interest rates. Shop online and offline at your favorite stores. Fast & Easy Approval Enjoy a one-time application process. Register for Plentina in 3 easy steps! 1. Download the Plentina app. 2. Fill up and submit your application along with a photo of your valid Philippine government-issued ID and a selfie while holding a paper with “#UnlockYourPotential” and your date of registration. 3. Get approval notification on your phone and start shopping. Shop Online or Offline We have partnered with a large number of online and offline retailers, encompassing a diverse range of stores providing a broad spectrum of options for users. Safe & Easy Payment Pay conveniently through our online payment channels: GCash, GrabPay, Maya, or pay over the counter at any 7-Eleven store nationwide. Reliable Customer Service A dedicated customer service team is available to ensure that you enjoy our digital services with peace of mind. Plentina continuously works with partners so you can enjoy more! Our customers are the reason Plentina exists. Plentina’s physical address: Plentina Lending, Inc. 8484 East Service Road Km 18, South Superhiway, Sucat Paranaque City, Metro Manila, Philippines 1700
TempoPay
This app offers a flexible payment solution for healthcare expenses, partnering with employers to provide interest-free and fee-free options. It allows users to access care immediately and choose repayment schedules up to 12 months, linked to payroll or bank accounts.
- 0% interest healthcare payments
- No fee payment solution
- Flexible repayment schedules up to 12 months
- Pay for medical, pharmacy, vision, dental expenses
- Linked to payroll or personal bank account
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TempoPay is a healthcare payment benefit offered through employers and health plans. It gives you access to funds to pay for out-of-pocket healthcare expenses up front, then repay over time with 0% interest, no fees, and no credit checks. Using TempoPay never affects your credit score. The TempoPay app is available to employees and health plan members at organizations that offer TempoPay as a benefit. If your employer offers TempoPay, download the app to activate your account and start using your card. WHAT IS TEMPOPAY? TempoPay works like a revolving account, similar to a credit card, but always interest-free with no fees. When you enroll, you get immediate access to a set spending amount for healthcare expenses. Charges are broken into a repayment schedule you control. WHERE CAN I USE TEMPOPAY? Use the TempoPay Visa card for: • Doctor visits, specialists, and urgent care • Prescriptions and pharmacy purchases • Dental care and orthodontics • Vision care, eyeglasses, and contact lenses • Lab work, imaging, and diagnostics • Therapy and mental health care • Chiropractic and physical therapy • Medical supplies and equipment • Medical bills paid online or by phone Some employer programs use different spending categories. Check the app or contact support with questions about your card. HOW DO REPAYMENTS WORK WITH TEMPOPAY? After a charge settles, a repayment plan is created based on your preferences. You choose your repayment timing, up to 12 months, aligned to your payroll cycle. Repay through automatic post-tax payroll deductions or connect a personal bank account. You can see every charge, plan, and payment in the app. DOES TEMPOPAY AFFECT MY CREDIT? No. TempoPay never checks your credit and never reports to credit bureaus. There is no interest, no late fees, and no cost to employees for using TempoPay. CAN I USE TEMPOPAY WITH AN HSA OR FSA? Yes. TempoPay works alongside Health Savings Accounts and Flexible Spending Accounts. Pay with TempoPay now and reimburse yourself from your FSA once it is funded, or keep HSA contributions invested while spreading expenses over time. WHAT CAN I DO IN THE TEMPOPAY APP? • Activate and manage your TempoPay Visa card • Check your available balance and spending limit • View charges and repayment schedules • Adjust repayment timing • Connect a bank account for repayments • Contact TempoPay support WHO CAN USE TEMPOPAY? TempoPay is available through participating employers, health plans, and benefits programs. It is not available for individual signup. Ask your HR or benefits team whether TempoPay is part of your benefits package. ABOUT TEMPOPAY TempoPay collaborates with health plans, employers, and other industry partners to provide a smarter, more affordable way to manage rising healthcare costs through access to interest-free funds and flexible repayment options. With the TempoPay Visa® card, employees can confidently access care and take control of how and when they pay for it, reducing financial stress and avoiding interest-bearing debt. By making it easier to plan for and manage out-of-pocket expenses, TempoPay helps create the financial stability that supports happier, healthier lives and a more engaged, productive workforce. To learn more, visit https://tempopay.com/
Screenshots
Verdict
Plentina PH and TempoPay both sit at 5.0 stars, but that hides the real split: 100% of TempoPay's written reviews are positive against 7% of Plentina PH's. TempoPay also leads on ratings volume (8 vs 1). Plentina PH's advantage is iOS requirement (13.0 vs 15.1). On price, rating, update cadence and ads 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.
On the App Store both sit at effectively the same score — 5.0 for Plentina PH against 5.0 for TempoPay. That said, the two scores are not equally well evidenced: TempoPay has 8 ratings behind it against 1, so its average is the more settled of the two. Written reviews are what separate them: 7% of Plentina PH's written reviews are positive against 100% of TempoPay's.
Plentina PH ships an update every 10 days, TempoPay every 3 weeks. The most recent releases landed on October 16, 2026 and October 21, 2026 respectively.
| Parameter | Plentina PH | TempoPay |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (1 ratings) | 5.0 (8 ratings) |
| Positive reviews | 7.4% of reviews | 100.0% of reviews — better |
| Number of ratings | 1 | 8 — better |
| Update frequency | Every 10 days — better | Every 3 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 13.0 — better | 15.1 |
| Further details — not scored | ||
| Size | 47 MB | 60 MB |
| Age rating | 4+ | 17+ |
| Developer | Plentina Inc. | TempoPay Inc. |
Customer experience
Plentina PH
TempoPay
In-app purchases
Plentina PH
No in-app purchases
TempoPay
No in-app purchases









