# Deferin vs PayNote

The clearest difference is review sentiment: PayNote at 100% against Deferin's 20%. PayNote also leads on in-app purchases (none vs 2) and iOS requirement (16.6 vs 18.0). Deferin's advantage is update cadence (weekly vs every 5 months). On price, ads, monetization model and device support there is nothing between them.

Both are free to download. Deferin sells 2 one-off in-app purchases. PayNote asks for nothing beyond the download.

Deferin ships an update weekly, PayNote every 5 months. The most recent releases landed on November 10, 2026 and October 30, 2026 respectively.

## The numbers

| Metric | Deferin | PayNote |
| --- | --- | --- |
| Price | Free | Free |
| Positive reviews | 20.4% of reviews | **100.0% of reviews** |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | **Weekly** | Every 5 months |
| Monetization | Free | Free |
| Size | 19 MB | 35 MB |
| Requires iOS | 18.0 | **16.6** |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Azukid.com](https://appshunter.io/developer/354937951) | [SeungSeop Lim](https://appshunter.io/developer/1711312835) |

## What reviewers say

### Deferin

[App page](https://appshunter.io/ios/app/deferin/id432458298)

Track and manage payments from all your cards and accounts. Easily log transactions, set up recurring bills, and organize entries with tags. Offers customizable text sizes for comfortable viewing and data export options.

**Highlights:** Record and manage payments, Track credit, debit, and e-money, Set up recurring payments, Organize with tags, Customizable text sizes (Logan Free), Data export/import (JSON)

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Tips_1 | $0.99 | one-time |
| Tips_5 | $4.99 | one-time |


### PayNote

[App page](https://appshunter.io/ios/app/paynote-smart-money-managing/id6741191038)

Easily track money you've borrowed or lent to others. Record transaction details, set repayment dates, and add memos for clarity. The intuitive design makes managing your finances simple.

**Highlights:** Manage borrowed and lent money, Record transaction details, Set repayment deadlines, Distinguish transaction status, Add memos for details, Intuitive and user-friendly design

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Deferin free?

Deferin is free to download, with in-app purchases available.

### Is PayNote free?

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

### Do Deferin or PayNote have ads?

Neither Deferin nor PayNote shows ads.

### Which is updated more often, Deferin or PayNote?

Deferin ships an update weekly, and PayNote every 5 months. Most recently, Deferin was updated on November 10, 2026 and PayNote on October 30, 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.*