# SplitIt vs PayLater

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.

Both are free to download. SplitIt sells 18 in-app purchases, starting at $4.99 per month. PayLater asks for nothing beyond the download.

SplitIt holds the better App Store score, 4.9 against 3.5. Both are backed by a comparable volume of ratings — 792 and 298 respectively. Written reviews point the same way: 88% of SplitIt's written reviews are positive against 28% of PayLater's.

SplitIt ships an update every 6 days, PayLater every 3 weeks. The most recent releases landed on September 28, 2026 and September 26, 2026 respectively.

## The numbers

| Metric | SplitIt | PayLater |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (792 ratings)](https://appshunter.io/ios/app/splitit-group-bill-splitter/id6472703319/reviews)** | [3.5 (298 ratings)](https://appshunter.io/ios/app/paylater-split-your-payments/id6738985290/reviews) |
| Number of ratings | **792** | 298 |
| Positive reviews | **87.9% of reviews** | 28.4% of reviews |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | **Every 6 days** | Every 3 weeks |
| Monetization | Free with in-app purchases | **Free** |
| Size | 59 MB | 106 MB |
| Requires iOS | **15.0** | 15.6 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Feast Labs LLC](https://appshunter.io/developer/1612428785) | [Pay Later](https://appshunter.io/developer/1754177617) |

## What reviewers say

### SplitIt

[App page](https://appshunter.io/ios/app/splitit-group-bill-splitter/id6472703319)

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

**In-app purchases (18)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Unlimited | $4.99 | per month |
| Unlimited | $39.99 | per year |
| Developer Tip | $0.29 | one-time |
| Developer Tip | $0.49 | one-time |
| Developer Tip | $0.69 | one-time |
| Developer Tip | $0.99 | one-time |
| Developer Tip | $1.09 | one-time |
| Developer Tip | $1.59 | one-time |
| Developer Tip | $1.99 | one-time |
| Developer Tip | $2.69 | one-time |
| Developer Tip | $4.99 | one-time |
| Developer Tip | $11.99 | one-time |
| Developer Tip | $12.99 | one-time |
| Developer Tip | $14.99 | one-time |
| Developer Tip | $15.99 | one-time |
| Developer Tip | $34.99 | one-time |
| Developer Tip | $39.99 | one-time |
| Developer Tip | $49.99 | one-time |

**What reviewers like**

- 🚀 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

**What reviewers complain about**

- 🔐 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

**Reported bugs**

- 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**

- 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


### PayLater

[App page](https://appshunter.io/ios/app/paylater-split-your-payments/id6738985290)

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:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 Trusted
- 👍 Great experience

**What reviewers complain about**

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

**Reported bugs**

- Login screen freezes
- Incompatible with older devices

**Requested features**

- Monthly payment reminder
- Higher spending limits


## Frequently asked 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 298 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 September 28, 2026 and PayLater on September 26, 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.*