Comparison

Build vs Payability Enroll

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

Head to head
About

Build

Build your credit history and financial health with a credit builder account. Make payments to build savings and report your history to major credit bureaus. No hard credit pull or prior credit needed to start improving your financial future.

Highlights
  • Build credit history
  • Report to Equifax & TransUnion
  • Build accumulated savings
  • No hard credit pull
  • Manage account
  • Monitor savings progress
Features
Read full description

Build believes everyone should have the opportunity to improve their financial health. We’ve worked hard to provide access to credit-building products like the Build Credit Builder Account. Your payments will help you build accumulated savings¹ and your payment history will be reported to Equifax and Transunion. Download the Build app today to apply, manage your account, and monitor your savings progress. There is no hard credit pull and no credit needed. Build your credit history with Equifax and Transunion for as little as $25/mo². Get started today! Please visit www.getbuild.com for more information. Disclosures: All customer accumulated principal payments are deposited into a locked savings account controlled by Build and are not FDIC insured. Access to loan products is subject to approval by PRGB, Inc., who determines qualifications for any terms of credit. Individual borrowers must be U.S. Citizens or permanent residents and at least 18 years old. Not available in all states. Valid bank account and Social Security Number are required. All loans are subject to ID verification. Results are not guaranteed. Improvement in your credit score is dependent on your specific situation and financial behavior. This product will not remove negative credit history from your credit report. PRGB, Inc. dba "Build", NMLS No. 2410706 ¹The locked savings account does not earn interest. The funds in your locked savings account will not be accessible until your loan is paid in full or closed. You build savings by having funds available to you at the end of the loan in your locked savings account. Note that interest and a one-time, prepaid administration fee apply to the loan product. Customers who complete the full terms of the Credit Builder Loan can receive approximately 85% of the loan funds once the loan is repaid in full. ²For example: (1) Starter Loan: Your loan amount is $520. You make $25 monthly loan payments for 24 months and there is a $9 administration fee. 15.92% Annual Percentage Rate.  By the end of your loan term, you will have paid $609 ($89 cost).

About

Payability Enroll

Features
Read full description

Get Instant Access to Your Amazon Earnings with Payability – No Cost Financing for the Amazon Seller Since 2015, Payability has revolutionized cash flow solutions for over 10,000 Amazon Sellers, advancing more than $6 billion in accelerated payouts. We’re committed to empowering Amazon sellers like you to grow your business seamlessly. Experience the freedom of getting paid daily from your Amazon earnings with zero additional cost. Introducing the Free Payability Mobile App – Tailored for Amazon Seller Central Users Stay ahead in the competitive world of Amazon selling with the Payability Mobile app. Designed specifically for Amazon Seller Central users, this app is your gateway to managing finances effortlessly. Gain complete control over your cash flow with these powerful features: Instant Amazon Earnings Access Check your available balance anytime. Get real-time updates on your Payability account status. 24/7 Fund Transfers, Directly from Your Phone Transfer your Amazon earnings to your bank account at your convenience. Access your funds whenever you need them. Comprehensive Financial Management Track and review your Payability Seller Card transactions. Stay updated with pending transfer requests and card transactions. The Payability Visa® Commercial Card, issued by Sutton Bank, Member FDIC, and licensed by Visa U.S.A. Inc., is powered by Marqeta. It's not just a card; it's your tool to optimize your Amazon Seller earnings. Join Thousands of Successful Amazon Sellers Step into the world of smart financing. Whether you're an established Amazon Seller or just starting with Amazon Seller Central, Payability is here to support your journey toward success. — Payability is an Amazon Seller-approved AppStore software partner. Payability is not part of the Amazon corporation.

Screenshots

Build4 screens
Payability Enroll4 screens

Verdict

The call

The clearest difference is update cadence: Build at weekly against Payability Enroll's every 3 weeks. Payability Enroll's advantage is iOS requirement (12.0 vs 15.0). On price, 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

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

Build ships an update weekly, Payability Enroll every 3 weeks. The most recent releases landed on November 7, 2026 and November 8, 2026 respectively.

Scorecard2 real differences · 8 level
Build versus Payability Enroll: the parameters behind the verdict, then further details
ParameterBuildPayability Enroll
PriceFreeFree
Rating3.2 (15 ratings) — better—
Positive reviews16.7% of reviews—
Number of ratings15 — better—
Update frequencyWeekly — betterEvery 3 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.012.0 — better
Further details — not scored
Size77 MB37 MB
Age rating17+4+
DeveloperPRG Ventures, Inc.Payability Commercial Factors, LLC

In-app purchases

None

Build

No in-app purchases

None

Payability Enroll

No in-app purchases

Questions

Is Build free?
Build is free to download, with no in-app purchases.
Is Payability Enroll free?
Payability Enroll is free to download, with no in-app purchases.
Do Build or Payability Enroll have ads?
Neither Build nor Payability Enroll shows ads.
Which is updated more often, Build or Payability Enroll?
Build ships an update weekly, and Payability Enroll every 3 weeks. Most recently, Build was updated on November 7, 2026 and Payability Enroll on November 8, 2026.

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