# Pay Timer Lite vs Optum Financial

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.

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

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.

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.

## The numbers

| Metric | Pay Timer Lite | Optum Financial |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.4 (10 ratings)](https://appshunter.io/ios/app/pay-timer-lite/id519094052/reviews) | **[4.7 (29K ratings)](https://appshunter.io/ios/app/optum-financial/id1303691237/reviews)** |
| Number of ratings | 10 | **29K** |
| Positive reviews | 30.8% of reviews | **55.1% of reviews** |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | Every 12 months | **Every 5 weeks** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 5 MB | 24 MB |
| Requires iOS | **11.0** | 16.6 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Piet Jonas](https://appshunter.io/developer/288060167) | [Optum Inc.](https://appshunter.io/developer/1133706680) |

## What reviewers say

### Pay Timer Lite

[App page](https://appshunter.io/ios/app/pay-timer-lite/id519094052)

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:** macOS Compatibility, Vision Pro support

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Pay Timer Upgrade | $0.99 | one-time |


### Optum Financial

[App page](https://appshunter.io/ios/app/optum-financial/id1303691237)

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:** macOS Compatibility

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 🚀 Convenient mobile experience
- 💳 Ability to pay providers directly
- 📂 Straightforward claim submission
- 💰 Helpful for managing medical expenses

**What reviewers complain about**

- 🐛 Buggy document upload and submission
- 🤔 Lack of explanations for claim rejections
- 🕰️ Slow processing and response times
- 🔍 Unintuitive navigation and UI
- 🤖 Poor customer service and support

**Reported bugs**

- 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**

- 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


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*