Comparison

Split Pay vs Sqsh

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

Head to head
About

Split Pay

This app allows renters to divide their monthly rent into two smaller, more manageable payments. It helps with budgeting and can also be used to build credit history by reporting on-time payments.

Highlights
  • Split rent into two payments
  • Build credit history
  • Improve budgeting
  • Works with all payment systems
  • Autopay functionality
  • Free credit reporting option
Features
Currently charting
Read full description

Split Pay turns your biggest bills into two smaller payments, timed to your paychecks. Same total, smarter timing. There's no credit check, and it works with any landlord or lender. Less pressure. More room to breathe. Split rent, mortgage, or car payments to fit your paycheck rhythm, not the other way around. Your landlord or lender gets paid in full on day one. Download Split Pay to put rent, mortgage, and car payments on your own schedule. SPLIT PAY APP FEATURES: WHY 200,000+ HOUSEHOLDS CHOOSE SPLIT PAY: One bill, two payments, smarter timing. Works with any landlord, lender, or servicer. No building integration, no virtual cards, no workarounds. No established credit history? You can still apply. Eligibility is based on factors such as income and cash flow, not your credit score. Split Pay's dedicated support team gives you access to real humans when you need them, not just a chatbot. Build credit history with reported rent payments. PAY BILLS IN TWO PAYMENTS Choose a bill to split into two: rent, mortgage, or your car payment. Apply in minutes, no credit check. Once you're approved, you'll receive virtual account and routing numbers to add to your payment portal, just like a bank account. Your landlord, lender, or servicer gets paid in full and on the due date. You pay in two smaller parts. That's it. You get more room to breathe every month. WHAT BILLS CAN I SPLIT? Pay rent Pay your mortgage Pay car payments Pay other bills coming soon SIMPLE, TRANSPARENT PRICING Split Pay costs $9.99/month plus 1.5% transaction fee on the amount you split. That's it. The fee is the same no matter how your bill is split. Income arrives on a schedule. Bills don't. Banks move money. Split Pay moves timing. Download Split Pay to put rent, mortgage, and car payments on your own schedule. Split Pay is a financial technology company, not a bank. Banking services are provided by Evolve Bank & Trust, Members FDIC.

About

Sqsh

Effortlessly split bills with friends using AI-powered receipt scanning. Automatically calculates individual shares, including tax and tip, for any shared expense. Integrates with popular payment apps for easy settlement.

Highlights
  • AI receipt scanning
  • Automatic itemization
  • Individual share calculation
  • Tax and tip inclusion
  • Direct payment integration
  • Group session history
  • Guest access
Features
Read full description

Sqsh makes splitting the bill effortless, whether it's dinner, groceries, a hotel, or anything in between. SCAN & SPLIT IN SECONDS Point your camera at any receipt and Sqsh reads it instantly using AI. Items appear automatically, no typing required. Everyone claims what they ordered and sees exactly what they owe. HOW IT WORKS 1. Scan your receipt (or enter items manually) 2. Share a QR code or link with your group 3. Everyone joins and taps the items they want 4. Sqsh calculates each person's share including tax and tip 5. Pay the host directly via Venmo or Cash App, built right in NO MORE MATH Sqsh handles split items, shared dishes, tax, and tip automatically. Each person sees their own total, clean, simple, done. FRIENDS & INVITES Add friends in the app and invite them directly to a session with one tap. No need to send a link every time. GUEST FRIENDLY Friends don't need an account to join. They scan the QR code, pick an emoji, and they're in. YOUR SPLIT HISTORY Every session is saved so you can always look back at who paid what and when. SQSH PRO Upgrade for unlimited receipt scans and splits. Or pay just $0.99 for a single session when you need it, no commitment required. Sqsh is perfect for: • Restaurants and bars • Groceries and household bills • Road trips and group travel • Airbnb and hotel splits • Any time more than one person is paying Apple Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Sqsh Terms of Use: https://www.sqsh.app/terms.html

Screenshots

Split Pay4 screens
Sqsh4 screens

Verdict

The call

The clearest difference is in-app purchases: Split Pay at none against Sqsh's 4. Split Pay also leads on ratings volume (20K vs 3) and chart position (#89 vs unranked). Sqsh's advantage is review sentiment (100% vs 72%) and update cadence (every 6 days vs every 2 weeks). On price, rating, ads 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. Sqsh sells 4 in-app purchases, starting at $2.99 per month. Split Pay asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 4.9 for Split Pay against 5.0 for Sqsh. That said, the two scores are not equally well evidenced: Split Pay has 20K ratings behind it against 3, so its average is the more settled of the two. Written reviews are what separate them: 72% of Split Pay's written reviews are positive against 100% of Sqsh's.

UpkeepUpdate frequency

Split Pay ships an update every 2 weeks, Sqsh every 6 days. The most recent releases landed on October 16, 2026 and October 15, 2026 respectively.

Scorecard6 real differences · 5 level
Split Pay versus Sqsh: the parameters behind the verdict, then further details
ParameterSplit PaySqsh
PriceFreeFree
Rating4.9 (20K ratings)5.0 (3 ratings) — better
Positive reviews71.9% of reviews100.0% of reviews — better
Number of ratings20K — better3
Update frequencyEvery 2 weeksEvery 6 days — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree — betterFreemium
Best chart rank#89 — better—
DevicesiPhoneiPhone
Requires iOS16.616.0 — better
Further details — not scored
Size65 MB35 MB
Age rating4+4+
DeveloperVisible IdeasIndigo LLC

Customer experience

Split Pay

All ratings19,539 ratings
Positive97.1%
Neutral0.6%
Negative2.3%
Written reviews684 reviews
Positive71.9%
Neutral1.6%
Negative26.5%

Sqsh

All ratings3 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews3 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Bugs and requests

Split Pay

Reported bugs

3 issues
  • Login screen freezes
  • Incompatibility with certain bank accounts
  • Payments not showing up in app after being processed

Requested features

4 requests
  • Ability to change payment dates after initial setup
  • Option to adjust second split pay date within 30-day period
  • Integration with property management payment portals
  • Clearer communication on approval process and reasons for account suspension

Sqsh

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Split Pay

No in-app purchases

4 purchases

Sqsh

Subscriptions3
  • Monthly Subscription$2.991 Month
  • Biannual Subscription$12.996 Months
  • Annual Subscription$19.991 Year
One-time1
  • One-time scan credit$0.49

Questions

Is Split Pay free?
Split Pay is free to download, with no in-app purchases.
Is Sqsh free?
Sqsh is free to download, with in-app purchases available.
Which has better reviews, Split Pay or Sqsh?
Sqsh is rated higher. Split Pay averages 4.9 out of 5 from 20K ratings, while Sqsh averages 5.0 from 3 ratings.
Do Split Pay or Sqsh have ads?
Neither Split Pay nor Sqsh shows ads.
Which is updated more often, Split Pay or Sqsh?
Split Pay ships an update every 2 weeks, and Sqsh every 6 days. Most recently, Split Pay was updated on October 16, 2026 and Sqsh on October 15, 2026.

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