Comparison

IOUOI vs PayUp

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

IOUOI

Easily track all your borrowing and lending activities for both money and items. Assign monetary values, organize by category, and manage payments with due dates and reminder emails. Keep a history of all past transactions.

Highlights
  • Track money and item borrowings/lendings
  • Assign monetary value to items
  • Organize by category
  • Close entries upon return
  • Password protection
  • Send reminder emails
  • Due date support
Features
Read full description

IOU | UOI - I Owe U Owe I Do you remember who borrowed your boxed DVD set of "Godfather"? Or, who took your copy of "Da Vinci Code" that you had to stand in line for an hour to be autographed by Dan Brown? How about the missing shovel - was that next door Joe or Mike who lives across the street? IOUOI is unlike any other application on the App Store - its lets you easily track all your borrowing and lending activities. - Follow me on Twitter @pixelround Features -- Basic Functions -- - Track all your borrowings and lendings - both money and items. - Assign monetary value to items borrowed/loaned. - Organize borrowings/lendings into categories for easy organization. - Close an entry once the person returns the item - keeps track of all old borrowing/lending activities. - Easy numeric entry -- Options -- - Password Protection with Forgot password reset support - Badge support for overdue, due soon entries - Color themes with millions of themes from colourlovers.com -- Management Functions -- - Track payments - Ability to send reminder emails with the tap of a button. - Due date support - List of recent contacts in Add/Edit dialog Others - Other eye-candy animations - Performance, Memory usage improvements - Now able to work with Exchange and Mobile Me contacts --------- All that and still free free free --------- ------- Coming up in upcoming versions - FTP Backup/Restore - Paypal integration - Facebook integration - Due Date/Close Date/Create Data Calendar IOUOI - a perfect solution to life's conundrums of borrowing and lending!! ----Help---- If you can help us with the translations for your language please contact us at support@proximux.com. Please do not post negative reviews. Contact me instead using http://www.proximux.com/iouoi/support. This application takes a lot more effort than iFart, Fart for Free and such gimmicky applications. A little encouragement would go a long way.

About

PayUp

Easily track money owed to you by friends and family. Log debts, record payments, and split group expenses without needing an account. Premium features are available via in-app purchase.

Highlights
  • Log debts and IOUs
  • Track payment history
  • Split group expenses
  • Private and secure data
  • Unlimited records (premium)
  • Attach pictures (premium)
Read full description

PayUp makes it easy to stay on top of what people owe you — whether it’s that lunch you covered, a concert ticket you booked, or your share of the group trip expenses. No more forgetting who owes what or chasing down payments. Track What You're Owed: Log debts and IOUs from anyone who owes you money. Payment History: See a record of what’s been paid back — and what hasn’t. Split Group Expenses: Easily divide costs and track who owes you their share. Private & Secure: No accounts, no ads — just your data on your device. Some features in PayUp require an in-app purchase, including the ability to store unlimited records, attach pictures to your entries, and access advanced exporting options. These premium tools help you manage and share your payment history more effectively. They borrowed. You remembered. Download PayUp now. This app is licensed under Apple’s standard End User License Agreement (EULA) https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

IOUOI4 screens
PayUp4 screens

Verdict

The call

The clearest difference is rating: PayUp at 5.0 against IOUOI's 3.6. PayUp also leads on review sentiment (100% vs 70%). IOUOI's advantage is in-app purchases (none vs 3) and iOS requirement (13.0 vs 15.6). On price, ratings volume, ads and device support 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. PayUp sells 3 in-app purchases, starting at $3.99 per month. IOUOI asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

PayUp holds the better App Store score, 5.0 against 3.6. Both are backed by a comparable volume of ratings — 7 and 8 respectively. Written reviews point the same way: 70% of IOUOI's written reviews are positive against 100% of PayUp's.

Scorecard5 real differences · 5 level
IOUOI versus PayUp: the parameters behind the verdict, then further details
ParameterIOUOIPayUp
PriceFreeFree
Rating3.6 (7 ratings)5.0 (8 ratings) — better
Positive reviews70.3% of reviews100.0% of reviews — better
Number of ratings78 — better
Update frequencyEvery 5 months—
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree — betterFree with in-app purchases
DevicesiPhone, iPodiPhone, iPod
Requires iOS13.0 — better15.6
Further details — not scored
Size3 MB43 MB
Age rating4+4+
DeveloperSucheta KhotNick Matthews

Customer experience

IOUOI

All ratings7 ratings
Positive57.1%
Neutral14.3%
Negative28.6%
Written reviews101 reviews
Positive70.3%
Neutral10.9%
Negative18.8%

PayUp

All ratings3 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews4 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

IOUOI

No in-app purchases

3 purchases

PayUp

Subscriptions2
  • Full Access$3.991 Month
  • Full Access$39.991 Year
One-time1
  • Lifetime Full Access$59.99

Questions

Is IOUOI free?
IOUOI is free to download, with no in-app purchases.
Is PayUp free?
PayUp is free to download, with in-app purchases available.
Which has better reviews, IOUOI or PayUp?
PayUp is rated higher. IOUOI averages 3.6 out of 5 from 7 ratings, while PayUp averages 5.0 from 8 ratings.
Do IOUOI or PayUp have ads?
Neither IOUOI nor PayUp shows ads.

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