# Debt System vs My Pay

The clearest difference is rating: Debt System at 4.8 against My Pay's 3.5. Debt System also leads on ratings volume (156 vs 4) and iOS requirement (14.0 vs 17.0). My Pay's advantage is in-app purchases (none vs 9). On price, update cadence, ads and monetization model there is nothing between them.

Both are free to download. Debt System sells 9 one-off in-app purchases. My Pay asks for nothing beyond the download.

Debt System holds the better App Store score, 4.8 against 3.5. That said, the two scores are not equally well evidenced: Debt System has 156 ratings behind it against 4, so its average is the more settled of the two.

Debt System ships an update every 3 weeks, My Pay every 2 weeks. The most recent releases landed on October 20, 2026 and October 8, 2026 respectively.

## The numbers

| Metric | Debt System | My Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (156 ratings)](https://appshunter.io/ios/app/debt-system/id6502643195/reviews)** | [3.5 (4 ratings)](https://appshunter.io/ios/app/my-pay/id6752914379/reviews) |
| Number of ratings | **156** | 4 |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Every 2 weeks** |
| Monetization | Free | Free |
| Size | 129 MB | 34 MB |
| Requires iOS | **14.0** | 17.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [TEAJAR LLC](https://appshunter.io/developer/1723164249) | [ALAIMTIDAD FOR LOGISTICS SERVICES LIMITED](https://appshunter.io/developer/1740181783) |

## What reviewers say

### Debt System

[App page](https://appshunter.io/ios/app/debt-system/id6502643195)

Organize client accounts, record debts, and track payments effortlessly. Automate WhatsApp reminders for outstanding balances and send bulk messages to multiple clients. Generate clear financial reports to manage your accounts efficiently.

**Highlights:** Record debts and payments, Organize client accounts, Automated WhatsApp messaging, Collective reminder messages, Sort clients by debt amount, Financial account reports

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

**In-app purchases (9)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 100 WhatsApp Messages | $3.00 | one-time |
| 200 WhatsApp Messages | $5.00 | one-time |
| 500 WhatsApp Messages | $10.00 | one-time |
| 800 WhatsApp Messages | $15.00 | one-time |
| 1,200 WhatsApp Messages | $20.00 | one-time |
| 1,800 WhatsApp Messages | $25.00 | one-time |
| 4,000 WhatsApp Messages | $50.00 | one-time |
| 7,000 WhatsApp Messages | $75.00 | one-time |
| 10,000 WhatsApp Messages | $100.00 | one-time |


### My Pay

[App page](https://appshunter.io/ios/app/my-pay/id6752914379)

Easily top up cards and manage your balance with this application. Track all your transactions and debts through a user-friendly interface. Enjoy quick technical support for a seamless experience.

**Highlights:** Easy card top-ups, Electronic top-up operations, Transaction and debt records, Fast technical support, Balance control

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

**In-app purchases:** none


## Frequently asked questions

### Is Debt System free?

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

### Is My Pay free?

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

### Which has better reviews, Debt System or My Pay?

Debt System is rated higher. Debt System averages 4.8 out of 5 from 156 ratings, while My Pay averages 3.5 from 4 ratings.

### Do Debt System or My Pay have ads?

Neither Debt System nor My Pay shows ads.

### Which is updated more often, Debt System or My Pay?

Debt System ships an update every 3 weeks, and My Pay every 2 weeks. Most recently, Debt System was updated on October 20, 2026 and My Pay on October 8, 2026.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*