# PayByPocket vs Townsgate Servicing

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.

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.

## The numbers

| Metric | PayByPocket | Townsgate Servicing |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (38 ratings)](https://appshunter.io/ios/app/paybypocket/id6444778240/reviews)** | [4.8 (34 ratings)](https://appshunter.io/ios/app/townsgate-servicing/id6744904173/reviews) |
| Number of ratings | **38** | 34 |
| Positive reviews | 75.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 weeks | **Fortnightly** |
| Monetization | Free | Free |
| Size | 50 MB | 66 MB |
| Requires iOS | **15.1** | 16.6 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 17+ | 4+ |
| Developer | [Finaccept LLC](https://appshunter.io/developer/1656796168) | [PennyMac Loan Services, LLC](https://appshunter.io/developer/789969762) |

## What reviewers say

### PayByPocket

[App page](https://appshunter.io/ios/app/paybypocket/id6444778240)

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.

**Highlights:** 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

**Features:** Apple Wallet

**In-app purchases:** none


### Townsgate Servicing

[App page](https://appshunter.io/ios/app/townsgate-servicing/id6744904173)

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.

**Highlights:** 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

**Features:** Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is PayByPocket free?

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

### Is Townsgate Servicing free?

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

### Which has better reviews, PayByPocket or Townsgate Servicing?

PayByPocket is rated higher. PayByPocket averages 4.8 out of 5 from 38 ratings, while Townsgate Servicing averages 4.8 from 34 ratings.

### Do PayByPocket or Townsgate Servicing have ads?

Neither PayByPocket nor Townsgate Servicing shows ads.

### Which is updated more often, PayByPocket or Townsgate Servicing?

PayByPocket ships an update every 5 weeks, and Townsgate Servicing fortnightly. Most recently, PayByPocket was updated on October 25, 2026 and Townsgate Servicing on October 25, 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.*