# Biltapay vs PenX

The clearest difference is in-app purchases: Biltapay at none against PenX's 4. PenX's advantage is update cadence (every 2 days vs every 14 months). On price, ads, device support and iOS requirement there is nothing between them.

Both are free to download. PenX sells 4 in-app purchases, starting at $4.99 per month. Biltapay asks for nothing beyond the download.

Biltapay ships an update every 14 months, PenX every 2 days. The most recent releases landed on October 1, 2026 and September 30, 2026 respectively.

## The numbers

| Metric | Biltapay | PenX |
| --- | --- | --- |
| Price | Free | Free |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 14 months | **Every 2 days** |
| Size | 40 MB | 34 MB |
| Requires iOS | 15.0 | **14.0** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Onyinye Emmanuel](https://appshunter.io/developer/1740845486) | [志毅 陈](https://appshunter.io/developer/1529215076) |

## What reviewers say

### Biltapay

[App page](https://appshunter.io/ios/app/biltapay-bills-payment/id6495485413)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### PenX

[App page](https://appshunter.io/ios/app/penx-structured-notes-app/id6745962671)

**Features:** macOS Compatibility

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| PRO member | $4.99 | per month |
| PRO + AI member | $9.99 | per month |
| PRO member | $39.99 | per year |
| PRO + AI member | $79.99 | per year |


## Frequently asked questions

### Is Biltapay free?

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

### Is PenX free?

PenX is free to download, with in-app purchases available.

### Do Biltapay or PenX have ads?

Neither Biltapay nor PenX shows ads.

### Which is updated more often, Biltapay or PenX?

Biltapay ships an update every 14 months, and PenX every 2 days. Most recently, Biltapay was updated on October 1, 2026 and PenX on September 30, 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.*