Comparison

Pay Timer Lite vs Optum Financial

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

Head to head
About

Pay Timer Lite

Track your work hours and automatically calculate your pay. The timer continues to run in the background, allowing you to close the app. Easily back up your earnings history by emailing it to yourself.

Highlights
  • Work time tracking
  • Automatic earnings calculation
  • Background timer operation
  • Local data history
  • Email backup of calculations
Features
Read full description

Measure the time you work and calculate your earnings. The timer keeps running even when you close the application. So there is no need to keep it open all the time. You can save a history of calculations locally on your device and email them to yourself for backup and further processing.

About

Optum Financial

Easily manage and pay for healthcare expenses on the go. Features include receipt capture, e-sign dependent care certification, and access to account details, transaction history, and balances for maximum control over your healthcare finances.

Highlights
  • Manage benefit accounts
  • View balances and transaction history
  • Pay providers or reimburse yourself
  • View and manage claims
  • Capture and upload documentation
  • Live customer care via mobile chat
Features
Read full description

Managing and paying for eligible health care expenses on the go has never been easier with the Optum Financial mobile app. Designed with unique features like receipt capture and e-sign dependent care certification, you can easily manage account details, access transaction history and view balances - giving you maximum control over you accounts and healthcare finances. Mobile features include: • Access to view and manage all Optum Financial benefit accounts • View account balances and transaction history • Pay providers or reimburse yourself for qualified out-of-pocket expenses • View and manage claims • Receive smart in-app alerts for claims requiring attention • Capture and upload claims documentation through photo capture technology • Quick access to previously submitted documentation • Connect with a live customer care representative via mobile chat 24/7 • Manage account preferences and add account users • Access eligible expenses listing Access Instructions You will need to have an Optum Financial or ConnectYourCare health account to use this app. If you are an Optum Financial or ConnectYourCare customer and need to update your account credentials, please visit www.optumfinancial.com. ABOUT OPTUM FINANCIAL: Optum Financial is advancing the way account holders save and pay for care, connecting the worlds of health and finance in ways that no one else can. Optum Financial is the #1 ranked health accounts administrator with over $17.7B in customer assets under management. By developing proprietary technology and applying advanced analytics in new ways, Optum Financial helps reduce costs while helping people make better health decisions– creating a better health care experience for our customers.

Screenshots

Pay Timer Lite4 screens
Optum Financial4 screens

Verdict

The call

The clearest difference is rating: Optum Financial at 4.7 against Pay Timer Lite's 2.4. Optum Financial also leads on in-app purchases (none vs 1) and update cadence (every 5 weeks vs every 12 months). Pay Timer Lite's advantage is device support (3 vs 1) and iOS requirement (11.0 vs 16.6). On price 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Pay Timer Lite sells 1 one-off in-app purchase. Optum Financial asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

Optum Financial holds the better App Store score, 4.7 against 2.4. That said, the two scores are not equally well evidenced: Optum Financial has 29K ratings behind it against 10, so its average is the more settled of the two. Written reviews point the same way: 31% of Pay Timer Lite's written reviews are positive against 55% of Optum Financial's.

UpkeepUpdate frequency

Pay Timer Lite ships an update every 12 months, Optum Financial every 5 weeks. The most recent releases landed on September 28, 2026 and October 1, 2026 respectively.

Scorecard8 real differences · 2 level
Pay Timer Lite versus Optum Financial: the parameters behind the verdict, then further details
ParameterPay Timer LiteOptum Financial
PriceFreeFree
Rating2.4 (10 ratings)4.7 (29K ratings) — better
Positive reviews30.8% of reviews55.1% of reviews — better
Number of ratings1029K — better
Update frequencyEvery 12 monthsEvery 5 weeks — better
AdsNoNo
In-app purchasesYesNo — better
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS11.0 — better16.6
Further details — not scored
Size5 MB24 MB
Age rating4+4+
DeveloperPiet JonasOptum Inc.

Customer experience

Pay Timer Lite

All ratings10 ratings
Positive30.0%
Neutral10.0%
Negative60.0%
Written reviews13 reviews
Positive30.8%
Neutral0.0%
Negative69.2%

Optum Financial

All ratings28,920 ratings
Positive94.7%
Neutral1.6%
Negative3.7%
Written reviews243 reviews
Positive55.1%
Neutral7.0%
Negative37.9%

Bugs and requests

Pay Timer Lite

Not enough reviews yet to summarise bugs or requests.

Optum Financial

Reported bugs

5 issues
  • Blank screens and app crashes
  • Inconsistent behavior with photo uploads
  • Login and account access issues
  • Incorrect or missing account balance information
  • Inability to add new documentation to existing claims

Requested features

5 requests
  • Ability to save provider information
  • Option to submit multiple claims at once
  • Automatic reimbursement based on insurance EOBs
  • Clearer communication on claim status and issues
  • Improved search and filtering for transactions

In-app purchases

1 purchases

Pay Timer Lite

One-time1
  • Pay Timer Upgrade$0.99
None

Optum Financial

No in-app purchases

Questions

Is Pay Timer Lite free?
Pay Timer Lite is free to download, with in-app purchases available.
Is Optum Financial free?
Optum Financial is free to download, with no in-app purchases.
Which has better reviews, Pay Timer Lite or Optum Financial?
Optum Financial is rated higher. Pay Timer Lite averages 2.4 out of 5 from 10 ratings, while Optum Financial averages 4.7 from 29K ratings.
Do Pay Timer Lite or Optum Financial have ads?
Neither Pay Timer Lite nor Optum Financial shows ads.
Which is updated more often, Pay Timer Lite or Optum Financial?
Pay Timer Lite ships an update every 12 months, and Optum Financial every 5 weeks. Most recently, Pay Timer Lite was updated on September 28, 2026 and Optum Financial on October 1, 2026.

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