PayByPocket vs Townsgate Servicing
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
PayByPocket
Load funds via credit or debit card and make payments at participating locations or anywhere Discover is accepted. Use QR codes in-store or add your account to digital wallets for online and in-store purchases.
- Load funds with credit/debit cards
- Pay at participating Pocket locations
- Use wherever Discover is accepted
- In-store QR code payments
- Add to Apple Wallet/Google Pay
- Online and in-store purchases
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Simply enroll (for free), fill your pocket (load funds) by credit card or debit card, and pay. Use at any participating Pocket location or wherever Discover™ is accepted. Payment at participating Pocket locations is done in-store via QR code. Payment at Discover™ locations is done by adding your Pocket account to your Apple Wallet or Google Pay account, and making purchases in-store or online.
Townsgate Servicing
Easily manage your home loan with 24/7 access to your account. Track payments, set up automatic payments, download statements, and manage escrow details. Get payment reminders and process refunds efficiently.
- Check loan balance
- Track payments and activity
- Set up automatic payments
- Make one-time payments
- Download statements
- Manage escrow, tax, and insurance
- Get payment reminders
- Process refunds
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Make it simple to manage your home loan, with everything you need at your fingertips. Enjoy complete convenience with 24/7 access to your account(s) and the ability to: - Check your current loan balance - Keep track of loan payments and activity at a glance - Set up automatic, recurring monthly payments or make a one-time payment - Download and view statements and documents, making it easy to go paperless - Get payment reminders - Manage escrow, tax and insurance - Get available refunds with eDisbursements - Make principal reduction and escrow shortage payments *App available in Spanish./App disponible en Español. PennyMac Loan Services, LLC, dba Townsgate Servicing: Publication Rules PennyMac Loan Services, LLC, dba Townsgate Servicing does not pay or otherwise provide compensation for reviews/comments. All reviews/comments are subject to the disclaimer provided prior to posting and become the property of PennyMac Loan Services, LLC, dba Townsgate Servicing once submitted. We reserve the right to validate, remove or republish your reviews/comments at any time. Equal Housing Opportunity, Townsgate Servicing, 3043 Townsgate Rd, Suite 200, Westlake Village, CA 91361, 818-224-7442. NMLS ID # 35953. For licensing information, go to: www.nmlsconsumeraccess.org. Arizona Mortgage Banker License # 0911088. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Colorado office: 5500 South Quebec Street, Suite 260 Greenwood Village, CO 80111, (877) 215-2552. Massachusetts Mortgage Lender License # MC35953. Minnesota: This is not an offer to enter into an agreement and an offer may only be made pursuant to Minn. Stat. §47.206 (3) & (4). Licensed by the N.J. Department of Banking and Insurance. North Carolina Permit No. 119504607, 119505929, 119506567, 119506570, 119507419. Rhode Island Licensed Lender # 20092600LL, Loan Broker, and Third-Party Loan Servicer. Texas office: 2201 W. Plano Parkway, Suites 150 and 300, Plano, TX 75075. For more information, review state licenses and important notices. The information included in this communication is considered confidential and proprietary, and any unauthorized reproduction is prohibited. © 2025 Pennymac, Townsgate and all related marks are service marks of Private National Mortgage Acceptance Company, LLC and/or its subsidiaries or affiliates. Third-party content is the property of its respective owners. All rights reserved. (04-2025) No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this App. Townsgate Servicing does not operate in New York, Massachusetts or Alaska.
Screenshots
Verdict
The clearest difference is update cadence: Townsgate Servicing at fortnightly against PayByPocket's every 5 weeks. On price, rating, ratings volume 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
On the App Store both sit at effectively the same score — 4.8 for PayByPocket against 4.8 for Townsgate Servicing. Both are backed by a comparable volume of ratings — 38 and 34 respectively.
PayByPocket ships an update every 5 weeks, Townsgate Servicing fortnightly. Both last shipped on October 25, 2026.
| Parameter | PayByPocket | Townsgate Servicing |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (38 ratings) — better | 4.8 (34 ratings) |
| Positive reviews | 75.0% of reviews | — |
| Number of ratings | 38 — better | 34 |
| Update frequency | Every 5 weeks | Fortnightly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod — better | iPhone |
| Requires iOS | 15.1 — better | 16.6 |
| Further details — not scored | ||
| Size | 50 MB | 66 MB |
| Age rating | 17+ | 4+ |
| Developer | Finaccept LLC | PennyMac Loan Services, LLC |
Customer experience
PayByPocket
Townsgate Servicing
In-app purchases
PayByPocket
No in-app purchases
Townsgate Servicing
No in-app purchases
Questions
Is PayByPocket free?
Is Townsgate Servicing free?
Which has better reviews, PayByPocket or Townsgate Servicing?
Do PayByPocket or Townsgate Servicing have ads?
Which is updated more often, PayByPocket or Townsgate Servicing?
Other comparisons
