Finli vs LubyPay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- 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
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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.
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.
- Secure payments
- Multi-currency wallet
- Instant fund addition
- Send/Request/Transfer money
- Virtual card
- Gift cards
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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
Verdict
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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
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.
Finli ships an update every 2 days, LubyPay weekly. Both last shipped on November 4, 2026.
| Parameter | Finli | LubyPay |
|---|---|---|
| Price | Free | Free |
| Rating | 4.5 (4 ratings) | 5.0 (1 ratings) — better |
| Positive reviews | 50.0% of reviews | — |
| Number of ratings | 4 — better | 1 |
| Update frequency | Every 2 days — better | Weekly |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 13.4 — better | 15.0 |
| Further details — not scored | ||
| Size | 10 MB | 69 MB |
| Age rating | 4+ | 17+ |
| Developer | Finli, Inc | LubyAll LLC |
Customer experience
Finli
LubyPay
In-app purchases
Finli
No in-app purchases
LubyPay
No in-app purchases









