# Pay on time vs Lumen

The clearest difference is price: Lumen at Free against Pay on time's $4.99. Lumen also leads on update cadence (every 2 weeks vs every 13 months). Pay on time's advantage is iOS requirement (16.0 vs 18.0). On ads, in-app purchases and device support there is nothing between them.

Lumen is free to download; Pay on time costs $4.99 up front. Neither carries in-app purchases, so what you see is what you pay.

Pay on time ships an update every 13 months, Lumen every 2 weeks. The most recent releases landed on October 24, 2026 and October 14, 2026 respectively.

## The numbers

| Metric | Pay on time | Lumen |
| --- | --- | --- |
| Price | $4.99 | **Free** |
| Rating | — | **[5.0 (4 ratings)](https://appshunter.io/ios/app/lumen-knowledge-browser/id6762682475/reviews)** |
| Number of ratings | — | **4** |
| Positive reviews | — | 100.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 13 months | **Every 2 weeks** |
| Monetization | — | Free |
| Size | 3 MB | 28 MB |
| Requires iOS | **16.0** | 18.0 |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 4+ | 17+ |
| Developer | [Victor Serov](https://appshunter.io/developer/1635616731) | [Daniel Kosukhin](https://appshunter.io/developer/1852657475) |

## What reviewers say

### Pay on time

[App page](https://appshunter.io/ios/app/pay-on-time-payment-reminder/id6484398850)

**Features:** Vision Pro support

**In-app purchases:** none


### Lumen

[App page](https://appshunter.io/ios/app/lumen-knowledge-browser/id6762682475)

This app acts as a browser that remembers what you read, building a personal knowledge base from engaged pages. It allows you to ask questions in plain English about your reading history, with answers generated by an on-device AI. All your data remains private and offline.

**Highlights:** On-device AI knowledge base, Plain English questioning, Automatic content organization, Private and offline browsing, Tracker blocking, Source citation for answers

**In-app purchases:** none


## Frequently asked questions

### Is Pay on time free?

Pay on time costs $4.99, with no in-app purchases.

### Is Lumen free?

Lumen is free to download, with no in-app purchases.

### Do Pay on time or Lumen have ads?

Neither Pay on time nor Lumen shows ads.

### Which is updated more often, Pay on time or Lumen?

Pay on time ships an update every 13 months, and Lumen every 2 weeks. Most recently, Pay on time was updated on October 24, 2026 and Lumen on October 14, 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.*