Forth vs CirclePay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Forth
Manage your debt relief program effortlessly. Track your progress towards financial wellness with a clear overview of your program and payment history. Update account details and receive timely payment alerts.
- Debt relief program overview
- Payment history tracking
- Bank account updates
- Upcoming payment alerts
- Contact support
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KEEP TRACK OF YOUR DEBT RELIEF PROGRAM WITH EASE. - Convenient access to a complete overview and history of your program and your progress to financial wellness. - Update bank account information - View the history of your payments - Contact Forth support - Receive alerts for upcoming payments and More!!
CirclePay
This app allows users to shop at partner merchants and split purchases into interest-free monthly installments. Manage payments, track spending, and discover new places to shop, all within a secure platform.
- Interest-free installments
- QR code payments
- Link bank accounts/cards
- Spending insights
- Rewards and referrals
- Secure identity verification
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Circle Pay is Sri Lanka's Buy Now Pay Later platform, making shopping more accessible and affordable. Split your purchases into easy installments with zero interest, pay at partner merchants with a simple QR scan, and manage your finances — all in one app. HOW IT WORKS 1. Sign up and verify your identity 2. Link your bank account or card 3. Shop at any partner merchant 4. Choose to pay in 3 to 6 monthly installments 5. Enjoy your purchase — your first payment isn't due for 30 days ZERO INTEREST INSTALLMENTS Split any purchase into 3 to 6 monthly payments at 0% interest. No hidden fees, no surprises. What you see is what you pay. QR CODE PAYMENTS Pay at partner merchants instantly by scanning their QR code. No cash, no fumbling with cards — just scan, choose your plan, and go. MULTIPLE PAYMENT METHODS Link your bank account via Seylan Bank direct debit or add your credit/debit cards. Choose your preferred payment method for each transaction. SMART SPENDING INSIGHTS Track your spending by category, view payment trends over time, and stay on top of your financial health with detailed analytics and charts. REWARDS & REFERRALS Earn points with every transaction. Climb the ranks, unlock badges, and redeem rewards. Refer friends with your unique code and earn bonuses when they sign up. SECURE IDENTITY VERIFICATION Your security is our priority. Verify your identity with NIC upload and face liveness detection powered by AWS. Protect your account with Face ID or fingerprint authentication. MANAGE YOUR PAYMENTS View all your active loans, upcoming installments, and payment history in one place. Never miss a due date with clear payment schedules and reminders. BROWSE PARTNER MERCHANTS Discover shops and restaurants that accept Circle Pay. Browse by category — food, fashion, electronics, and more. BUILT FOR SECURITY - Bank-level AES-256 encryption - Face ID and fingerprint authentication - Secure session management with inactivity timeout - Verified identity through KYC process CONTACT US Website: www.circlepay.lk Email: info@circlepay.lk
Screenshots
Verdict
The clearest difference is rating: CirclePay at 3.0 against Forth's 2.6. CirclePay also leads on update cadence (every 2 weeks vs every 3 months). Forth's advantage is review sentiment (14% vs 0%) and ratings volume (21 vs 2). 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.
CirclePay holds the better App Store score, 3.0 against 2.6. That said, the two scores are not equally well evidenced: Forth has 21 ratings behind it against 2, so its average is the more settled of the two. Written reviews complicate that: 14% of Forth's written reviews are positive against 0% of CirclePay's, so the app with the better star average is not the one people write more warmly about.
Forth ships an update every 3 months, CirclePay every 2 weeks. The most recent releases landed on October 24, 2026 and October 31, 2026 respectively.
| Parameter | Forth | CirclePay |
|---|---|---|
| Price | Free | Free |
| Rating | 2.6 (21 ratings) | 3.0 (2 ratings) — better |
| Positive reviews | 14.3% of reviews — better | 0.0% of reviews |
| Number of ratings | 21 — better | 2 |
| Update frequency | Every 3 months | Every 2 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.0 | 14.0 — better |
| Further details — not scored | ||
| Size | 10 MB | 47 MB |
| Age rating | 4+ | 4+ |
| Developer | Set Forth, Inc. | Circle Explorer PVT LTD |
Customer experience
Forth
CirclePay
In-app purchases
Forth
No in-app purchases
CirclePay
No in-app purchases
