Comparison

SplitIt vs PayLater

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

Head to head
About

SplitIt

Easily split bills and track shared expenses with friends. Upload receipts, assign items, and settle balances seamlessly. Keep a record of shared outings and manage payments or requests within your group.

Highlights
  • Split bills from receipts
  • Assign items to individuals
  • Track expenses and balances
  • Pay or request money from friends
  • Record shared outings
Read full description

SPLIT THE BILL, SHARE PHOTOS, & PAY / REQUEST FRIENDS Split and share any expense — no more headaches from calculating totals and asking who got what. • Upload a receipt to begin splitting items with friends • Select who's on the receipt, update and claim items • Easily pay or request payment from friends TRACK EXPENSES & BALANCES • Effortlessly track expenses, split bills, and settle balances with your group • Keep a record of everywhere you’ve been to with friends Questions or ideas? We would love to know what you think and any suggestions you may have! Contact us at hello@splitit.pro

About

PayLater

Split your purchases into four easy installments with this buy now, pay later service. Enjoy flexible payment options and secure transactions with no hidden fees. Shop at a wide network of top retailers.

Highlights
  • Split payments into 4 installments
  • Fast and easy onboarding
  • Secure PCI DSS-compliant transactions
  • Shop with a network of top retailers
  • Transparent fees, no hidden charges
Features
Read full description

Shop now, pay later, with zero interest and zero fees. Forever. PayLater is Qatar's first Buy Now, Pay Later app licensed by the Qatar Central Bank. Split purchases into up to 4 instalments with PayLater. For eligible orders, FleXed lets you pay over up to 12 months at selected stores. No interest. No fees. No catch. 100% SHARIA-COMPLIANT PayLater is fully Sharia-compliant and certified by Bait Al Mashoura. 0% interest and 0% fees are not an introductory offer. They are how the product is built, and they are forever. SPLIT IN 4 Choose your first payment and spread the balance across the remaining instalments. Get approved in minutes with your Qatari ID and a selfie. FLEXED: UP TO 12 MONTHLY INSTALMENTS Bigger purchase? FleXed gives you up to 12 monthly instalments for eligible orders at selected stores. Every eligible account gets 10 FleXed credits, one for each instalment you add beyond the standard 4, and you can run up to 2 FleXed orders at the same time. Your credits come back as you repay. Still zero interest, zero fees, fully Sharia-compliant. FleXed is offered based on eligibility and may not be available to everyone. Terms and conditions apply. Visit https://paylaterapp.com/ for more information. *The FleXed feature is currently available to users in beta mode. YOUR FIRST PAYMENT, YOUR CALL You decide what you pay up front. Choose a first payment at least equal to each remaining instalment and the balance splits evenly across the instalments you choose. Found something that costs more than your limit? Pay the difference up front and split the rest. Your limit does not have to end the sale. WHERE YOU CAN USE IT Shop online and in store at more than 1,600 brands and 3,500 branches across Qatar, including Lulu, Fnac and many more. EVERYTHING IN ONE APP Track your available limit in real time See every order and upcoming due date in one place Repay early whenever you want, at no cost Manage your cards securely Switch between English and Arabic anytime SAFE, LOCAL, TRANSPARENT Licensed and regulated by the Qatar Central Bank. PCI DSS-compliant payment security. Every transaction is processed locally in Qatar for faster, safer payments. Join 500,000+ shoppers across Qatar already paying a smarter way. Buy now pay later Qatar, BNPL Qatar, split payments, pay in 4, instalments, monthly instalments, interest free shopping, Sharia-compliant finance, online shopping Qatar, Doha.

Screenshots

SplitIt4 screens
PayLater4 screens

Verdict

The call

The clearest difference is review sentiment: SplitIt at 88% against PayLater's 28%. SplitIt also leads on rating (4.9 vs 3.5) and update cadence (every 6 days vs every 3 weeks). PayLater's advantage is in-app purchases (none vs 18). On price, ratings volume, 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. SplitIt sells 18 in-app purchases, starting at $4.99 per month. PayLater asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

SplitIt holds the better App Store score, 4.9 against 3.5. Both are backed by a comparable volume of ratings — 792 and 304 respectively. Written reviews point the same way: 88% of SplitIt's written reviews are positive against 28% of PayLater's.

UpkeepUpdate frequency

SplitIt ships an update every 6 days, PayLater every 3 weeks. The most recent releases landed on October 15, 2026 and October 17, 2026 respectively.

Scorecard5 real differences · 5 level
SplitIt versus PayLater: the parameters behind the verdict, then further details
ParameterSplitItPayLater
PriceFreeFree
Rating4.9 (792 ratings) — better3.5 (304 ratings)
Positive reviews87.9% of reviews — better28.3% of reviews
Number of ratings792 — better304
Update frequencyEvery 6 days — betterEvery 3 weeks
AdsNoNo
In-app purchasesYesNo — better
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.0 — better15.6
Further details — not scored
Size59 MB106 MB
Age rating4+4+
DeveloperFeast Labs LLCPay Later

Customer experience

SplitIt

All ratings792 ratings
Positive96.3%
Neutral1.8%
Negative1.9%
Written reviews33 reviews
Positive87.9%
Neutral0.0%
Negative12.1%

PayLater

All ratings304 ratings
Positive61.8%
Neutral2.3%
Negative35.9%
Written reviews173 reviews
Positive28.3%
Neutral3.5%
Negative68.2%

User reviews

SplitIt

From 792 App Store ratings

What we love

  • 🚀 Fast and efficient bill splitting process
  • 👍 Intuitive and clean user interface/UX design
  • 📱 Seamless Venmo integration for payment requests
  • 🎯 Accurate OCR receipt scanning and reading
  • ✨ Ad-free experience

Room to improve

  • 🔐 Requires phone number signup and data collection
  • 📵 Doesn't work without mandatory account creation
  • ⚠️ Privacy concerns regarding data selling practices
  • 🐛 Domain/server issues preventing app access
  • 😤 Cumbersome interaction for large party splits

PayLater

From 304 App Store ratings

What we love

  • 👍 Trusted
  • 👍 Great experience

Room to improve

  • 💡 No Arabic language support
  • 💡 Low spending limit
  • 🐛 Debit card not supported
  • 🐛 OTP not received
  • 🐛 Unable to delete app and restart

Bugs and requests

SplitIt

Reported bugs

4 issues
  • Restaurant search feature experiencing bugs
  • Domain expired - unable to log in or access support
  • App requires internet connection despite having local OCR capability
  • Newly split items moved to bottom of list causing confusion

Requested features

10 requests
  • Add Zelle and Apple Cash payment integration
  • Support multiple receipt photo uploads
  • Display total receipt amount on final summary page
  • Customizable Venmo message templates
  • In-app payment requests instead of Venmo redirect
Show 5 more
  • Collaborative editing notifications
  • Skip receipt scanning option for manual entry
  • Quick divide options (e.g., swipe to divide by 4)
  • Birthday tracking feature
  • Web-based view for shared splits without app download

PayLater

Reported bugs

2 issues
  • Login screen freezes
  • Incompatible with older devices

Requested features

2 requests
  • Monthly payment reminder
  • Higher spending limits

In-app purchases

18 purchases

SplitIt

Subscriptions2
  • Unlimited$4.991 Month
  • Unlimited$39.991 Year
One-time16
  • Developer Tip$0.29
  • Developer Tip$0.49
  • Developer Tip$0.69
Show 13 more
  • Developer Tip$0.99
  • Developer Tip$1.09
  • Developer Tip$1.59
  • Developer Tip$1.99
  • Developer Tip$2.69
  • Developer Tip$4.99
  • Developer Tip$11.99
  • Developer Tip$12.99
  • Developer Tip$14.99
  • Developer Tip$15.99
  • Developer Tip$34.99
  • Developer Tip$39.99
  • Developer Tip$49.99
None

PayLater

No in-app purchases

Questions

Is SplitIt free?
SplitIt is free to download, with in-app purchases available.
Is PayLater free?
PayLater is free to download, with no in-app purchases.
Which has better reviews, SplitIt or PayLater?
SplitIt is rated higher. SplitIt averages 4.9 out of 5 from 792 ratings, while PayLater averages 3.5 from 304 ratings.
Do SplitIt or PayLater have ads?
Neither SplitIt nor PayLater shows ads.
Which is updated more often, SplitIt or PayLater?
SplitIt ships an update every 6 days, and PayLater every 3 weeks. Most recently, SplitIt was updated on October 15, 2026 and PayLater on October 17, 2026.

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