Comparison

PayStream vs owed +

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

Head to head
About

PayStream

Easily manage your expenses on the go. Enter mileage, receipted, and other expenses quickly. Upload photos of receipts directly from your camera or camera roll.

Highlights
  • Enter mileage expenses
  • Record receipted expenses
  • Add other expense types
  • Upload receipts via camera
  • Upload receipts from camera roll
  • Convenient on-the-move entry
Read full description

Expenses application for PayStream customers. Allows PayStream customers to enter expenses and upload receipts conveniently and on the move. Enter mileage, receipted & other expenses quickly & use your camera to take a picture of the corresponding receipt & upload it (or use the camera roll).

About

owed +

Easily track and settle debts with a modern, user-friendly interface. Send payment requests via text for popular payment apps and personalize your experience with custom icons. A helpful guide is available to assist you.

Highlights
  • Cross-platform access
  • Enhanced visibility with color palettes
  • Request money via text message
  • Personalize app icon
  • Helpful guide mascot
Features
Read full description

Introducing the All-New Owed+ App Say hello to a completely reimagined way to track and settle debts! The new Owed+ app features a fresh, modern interface designed from the ground up to make managing your IOUs effortless and enjoyable. What's New: Cross-Platform Freedom – Access your account seamlessly across all your devices. Start on your iPhone, check in on your iPad, and manage everything from your Mac desktop. Enhanced Visibility – Choose from our new color palettes designed with improved contrast in mind, ensuring everyone can use Owed+ comfortably and clearly. Request Money in Seconds – Send payment requests directly via text message for Apple Pay, PayPal, and Venmo. No more awkward conversations or forgotten debts – tap, text, and get paid. Make It Yours – Personalize your experience by selecting from multiple app icon designs that match your style. Meet Gus, Your Helpful Guide – Say hello to Gus, our friendly pig mascot! Gus is here to walk you through the new app, share helpful tips, and make getting started a breeze. Whether you're new to Owed+ or returning to explore all the improvements, Gus has got your back. The new Owed+ app isn't just an update – it's a complete transformation designed to make tracking who owes what simpler, faster, and more accessible than ever before.

Screenshots

PayStream3 screens
owed +4 screens

Verdict

The call

The clearest difference is price: PayStream at Free against owed +'s $0.99. PayStream also leads on iOS requirement (9.0 vs 18.0). owed +'s advantage is update cadence (every 2 weeks vs every 3 months). On review sentiment, ads, in-app purchases 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

PayStream is free to download; owed + costs $0.99 up front. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

PayStream ships an update every 3 months, owed + every 2 weeks. The most recent releases landed on October 7, 2026 and October 15, 2026 respectively.

Scorecard4 real differences · 6 level
PayStream versus owed +: the parameters behind the verdict, then further details
ParameterPayStreamowed +
PriceFree — better$0.99
Rating—4.4 (7 ratings) — better
Positive reviews46.7% of reviews50.0% of reviews — better
Number of ratings—7 — better
Update frequencyEvery 3 monthsEvery 2 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterPaid
DevicesiPhone, iPodiPhone, iPad
Requires iOS9.0 — better18.0
Further details — not scored
Size34 MB25 MB
Age rating4+17+
DeveloperPayStreamJosh Gdovin

Customer experience

PayStream

Written reviews15 reviews
Positive46.7%
Neutral0.0%
Negative53.3%

owed +

All ratings7 ratings
Positive85.7%
Neutral0.0%
Negative14.3%
Written reviews8 reviews
Positive50.0%
Neutral12.5%
Negative37.5%

In-app purchases

None

PayStream

No in-app purchases

None

owed +

No in-app purchases

Questions

Is PayStream free?
PayStream is free to download, with no in-app purchases.
Is owed + free?
owed + costs $0.99, with no in-app purchases.
Do PayStream or owed + have ads?
Neither PayStream nor owed + shows ads.
Which is updated more often, PayStream or owed +?
PayStream ships an update every 3 months, and owed + every 2 weeks. Most recently, PayStream was updated on October 7, 2026 and owed + on October 15, 2026.

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