Comparison

Finli vs LubyPay

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

Head to head
About

Finli

Streamline small business operations by managing digital payments, creating professional invoices and quotes, and tracking customers and inventory. Gain insights into your cash flow and optimize business decisions with detailed reporting.

Highlights
  • Digital payment collection (ACH/Credit Card)
  • Professional invoice and quote generation
  • Recurring invoices and payment reminders
  • Built-in customer relationship management (CRM)
  • Automated inventory tracking
  • Detailed financial reporting
Features
Read full description

Manage the time-consuming and manual parts of running a small business with Finli! Collect digital payments, send professional quotes + invoices, keep track of customers + inventory, and optimize your business. With the Finli platform you can: - CREATE INVOICES + QUOTES Easy-to-use generators make it simple for you to present your business professionally and get paid quickly. Set up recurring invoices for repeat customers and automatically send out invoice reminders, receipts and overdue payment notifications. Let Finli stay on top of your billing for you. - GET PAID DIGITALLY Collect payments through either ACH or Credit Card. Send customers your unique payment link or accept payments on invoices - it’s up to you! - KEEP TRACK OF CUSTOMERS Our built-in CRM features allow you to store important customer information and documents, track the status of invoices, payments + quotes, and manage your growing business. - MANAGE YOUR INVENTORY Automatically track physical stock inventory from right within your invoicing tool. Get reminders when you’re running low and need to reorder! - VIEW DETAILED REPORTING Know exactly what your cash-flow looks like with professional invoice tracking and history. Use detailed insights for your future business decisions and tax purposes. Other features: - 0% ACH FEES - Collect payments via ACH with 0% transaction fees. Any credit card fees have the option to be charged back to customers. No other fees, no hidden commissions, no surprises. - $39/MONTH OR $397/YEAR - Fixed monthly fee to use all features, no tiered pricing, no added fees, no extra commission for bigger volumes. Just $39/month, no matter the size of your small business. Easy to budget and extra-affordable.

About

LubyPay

This mobile e-wallet simplifies daily transactions with secure, cashless payments. It offers a multi-currency wallet, instant fund additions, and various money transfer options. The app aims to empower users with financial freedom and a rewarding payment experience.

Highlights
  • Secure payments
  • Multi-currency wallet
  • Instant fund addition
  • Send/Request/Transfer money
  • Virtual card
  • Gift cards
Features
Read full description

LubyPay is a mobile e-wallet that aims to transform the way consumers transact on a daily basis. Luby Pay App allows its users to simplify the payment process. LubyPay is a secure and rewarding lifestyle e-wallet app. Our mission is to provide everyone with a worry-free cashless mobile payment experience all day every day. We aim to create a new generation of individuals to regain control of their financial freedom and rediscover value in financial services.. Important Features: - Convenient and secure payment - Free Multi-currency Wallet - Instantly add fund - Send Money - Request Money - Transfer Money - Multi-currency exchange service - Payout Services - Gift Card - Virtual Card

Screenshots

Finli4 screens
LubyPay4 screens

Verdict

The call

The clearest difference is rating: LubyPay at 5.0 against Finli's 4.5. Finli's advantage is update cadence (every 2 days vs weekly) and ratings volume (4 vs 1). On price, ads, in-app purchases and monetization model 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.

ReceptionRating · Positive reviews · Number of ratings

LubyPay holds the better App Store score, 5.0 against 4.5. Both are backed by a comparable volume of ratings — 4 and 1 respectively.

UpkeepUpdate frequency

Finli ships an update every 2 days, LubyPay weekly. Both last shipped on November 4, 2026.

Scorecard4 real differences · 6 level
Finli versus LubyPay: the parameters behind the verdict, then further details
ParameterFinliLubyPay
PriceFreeFree
Rating4.5 (4 ratings)5.0 (1 ratings) — better
Positive reviews50.0% of reviews—
Number of ratings4 — better1
Update frequencyEvery 2 days — betterWeekly
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS13.4 — better15.0
Further details — not scored
Size10 MB69 MB
Age rating4+17+
DeveloperFinli, IncLubyAll LLC

Customer experience

Finli

All ratings4 ratings
Positive75.0%
Neutral25.0%
Negative0.0%
Written reviews2 reviews
Positive50.0%
Neutral50.0%
Negative0.0%

LubyPay

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

Finli

No in-app purchases

None

LubyPay

No in-app purchases

Questions

Is Finli free?
Finli is free to download, with no in-app purchases.
Is LubyPay free?
LubyPay is free to download, with no in-app purchases.
Which has better reviews, Finli or LubyPay?
LubyPay is rated higher. Finli averages 4.5 out of 5 from 4 ratings, while LubyPay averages 5.0 from 1 ratings.
Do Finli or LubyPay have ads?
Neither Finli nor LubyPay shows ads.
Which is updated more often, Finli or LubyPay?
Finli ships an update every 2 days, and LubyPay weekly. Most recently, Finli was updated on November 4, 2026 and LubyPay on November 4, 2026.

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