Comparison

Payhammer vs PayTogether

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

Head to head
About

Payhammer

This app offers modern financial solutions for underserved communities and small businesses. It provides a personalized experience to help users achieve financial freedom with features like mobile check deposit and earned wage access.

Highlights
  • Inclusive financial access
  • Earned wage access (coming soon)
  • Mobile check deposit (coming soon)
  • Small business tools
  • Personalized financial experience
Features
Read full description

Payhammer is your gateway to modern, inclusive financial solutions—redefining banking for underserved communities and small businesses. Whether you're a growing entrepreneur or an individual striving for financial freedom, the Payhammer app delivers a seamless, personalized experience designed to meet your unique needs. Key Features: • Inclusive Access: Empowering underserved communities with innovative financial tools to promote true economic opportunities. • Earned Wage Access (Coming Soon): Don’t wait for payday—access your earned wages when you need them, giving you greater control over your cash flow. • Mobile Check Deposit (Coming Soon): Deposit checks anytime, anywhere using your phone with Remote Deposit Capture (RDC). • Small Business Ready: Built-in tools to support small business owners and entrepreneurs on their financial journey. Why Payhammer? We're not just another financial app—we're committed to reshaping the future of finance with equity, accessibility, and empowerment at the core. Payhammer is a financial technology company, not a bank. Banking services provided by Mbanq's bank partner, Evolve Bank & Trust, Member FDIC. Download Payhammer today and take your first step toward financial freedom. Need help? Contact us at: support@Payhammer.com [:mav: 1.2.330]

About

PayTogether

Features
Read full description

PayTogether makes splitting group expenses simple and fair. Whether you're dining out, sharing a vacation rental, or managing household costs, PayTogether handles the math so you don't have to. SCAN & SPLIT RECEIPTS Take a photo of any receipt and PayTogether extracts every line item automatically. Group members claim what they ordered, and splits are calculated down to the cent, including tax and tip. FLEXIBLE SPLITTING Split expenses equally, by custom amounts, or by percentage. PayTogether handles the rounding so every penny is accounted for. SMART SETTLE-UP See exactly who owes who at a glance. PayTogether minimizes the number of payments needed to settle the group, so everyone pays or gets paid in as few transactions as possible. GROUPS FOR EVERY OCCASION Create groups for trips, roommates, dinners, or recurring shared expenses. RECURRING EXPENSES Save your recurring expenses as favorites which can be created with a single tap - perfect for shared subscriptions, rent, or utilities. KEY FEATURES • Receipt scanning with automatic item extraction • Equal, custom, and percentage-based splits • Smart settle-up with minimal transactions • Guest access via shareable links • Recurring expense tracking • Category organization that grows with your spending • Real-time sync across all devices PayTogether Plus unlocks premium features including receipt scanning and detailed spending statistics. Terms of Use: https://paytogether.io/terms/ Privacy Policy: https://paytogether.io/privacy/

Screenshots

Payhammer4 screens
PayTogether4 screens

Verdict

The call

The clearest difference is in-app purchases: Payhammer at none against PayTogether's 2. Payhammer also leads on iOS requirement (13.0 vs 15.0). PayTogether's advantage is update cadence (every 4 days vs every 6 months). On price, 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. PayTogether sells 2 in-app purchases, starting at $2.99 per month. Payhammer asks for nothing beyond the download.

UpkeepUpdate frequency

Payhammer ships an update every 6 months, PayTogether every 4 days. The most recent releases landed on October 12, 2026 and October 13, 2026 respectively.

Scorecard3 real differences · 7 level
Payhammer versus PayTogether: the parameters behind the verdict, then further details
ParameterPayhammerPayTogether
PriceFreeFree
Rating3.2 (5 ratings) — better—
Positive reviews50.0% of reviews—
Number of ratings5 — better—
Update frequencyEvery 6 monthsEvery 4 days — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree—
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS13.0 — better15.0
Further details — not scored
Size60 MB17 MB
Age rating17+4+
DeveloperPayhammer LLCMajaLabs LLC

In-app purchases

None

Payhammer

No in-app purchases

2 purchases

PayTogether

Subscriptions2
  • PayTogether Plus$2.991 Month
  • PayTogether Plus$29.991 Year

Questions

Is Payhammer free?
Payhammer is free to download, with no in-app purchases.
Is PayTogether free?
PayTogether is free to download, with in-app purchases available.
Do Payhammer or PayTogether have ads?
Neither Payhammer nor PayTogether shows ads.
Which is updated more often, Payhammer or PayTogether?
Payhammer ships an update every 6 months, and PayTogether every 4 days. Most recently, Payhammer was updated on October 12, 2026 and PayTogether on October 13, 2026.

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