Comparison

Split Bill vs PayLater

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Split Bill

Easily manage shared expenses with friends and groups. Automatically identify bill details, track spending, and calculate who owes whom. Integrates with popular payment services and offers offline access.

Highlights
  • Photo bill scanning with auto-identification
  • Group expense tracking
  • Automated debt calculation
  • Integration with payment services
  • Spending pattern charts and graphs
  • Offline access
  • QR code scanning for connections
Features
Read full description

Splitting bills with friends is no longer a hassle! As your smart accountant, we make every trip as wonderful as possible. Lasting friendships with our app! Now everyone can manage their finances in a group. Features: • Add or take photo bills for any activity or trip easily • Enter the name of the person paying and the amount of money • Track all expenses in one place in a group • Integration with popular payment services like PayPal, Venmo, or bank transfers • Calculation of who owes whom and how much • Receive notifications for new expenses and to members who still owe money • Create & manage multiple groups for different activities or trips • Invite and remove members easily • Privacy & public controls mode: manage who can see specific expenses and details • Scan QR Codes to Connect Faster • Simplify debt • Merge account You can choose a monthly subscription or yearly subscription. • Payment will be charged to iTunes Account at confirmation of purchase (After free trial period if offered). • Subscription automatically renews unless auto-renew is turned off at least 24-hours before the end of the current period. • Account will be charged for renewal within 24-hours prior to the end of the current period, and identify the cost of the renewal. • Subscriptions may be managed by the user and auto-renewal may be turned off by going to the user’s Account Settings after purchase. • Any unused portion of a free trial period, if offered, will be forfeited when the user purchases a subscription to that publication, where applicable. Website: https://billsplitter.thethreek.com/ Policy: https://billsplitter.thethreek.com/term_and_privacy.html Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Stop stressing about money in relationships now with our app. Split the bill – Lasting friendships!

About

PayLater

Split your purchases into four easy installments with this buy now, pay later service. Enjoy flexible payment options and secure transactions with no hidden fees. Shop at a wide network of top retailers.

Highlights
  • Split payments into 4 installments
  • Fast and easy onboarding
  • Secure PCI DSS-compliant transactions
  • Shop with a network of top retailers
  • Transparent fees, no hidden charges
Features
Read full description

Zero interest. Zero fees. Forever. PayLater is Qatar's first Buy Now, Pay Later app licensed by the Qatar Central Bank, and it is 100% Sharia-compliant, certified by Bait Al Mashoura. Split any purchase into 4 payments over 3 months, or spread bigger orders across up to 12 monthly instalments with FleXed. SPLIT IN 4 Pay 25% at checkout and the rest across 3 payments. Get approved in minutes with your Qatari ID and a selfie. FLEXED: UP TO 12 MONTHS Orders of QAR 4,000 and above can be spread over up to 12 monthly instalments instead of 4. Every eligible account gets 10 FleXed credits, one for each instalment you add beyond the standard 4. Run up to 2 FleXed orders at once, and your credits come back as you repay. FleXed is offered based on eligibility. YOUR FIRST PAYMENT, YOUR CALL Raise your first payment above the standard 25% and the balance splits evenly across the instalments you choose. And if something costs more than your limit, pay the difference up front and split the rest. 1,500+ MERCHANTS ACROSS QATAR Shop online and in store at more than 3,000 outlets, including Lulu, Fnac and many more. IN THE APP Your live credit limit, every order and due date in one place, early repayment at no cost, secure card management, and full Arabic and English support. SAFE, LOCAL, TRANSPARENT Licensed by the Qatar Central Bank. PCI DSS-compliant security. Every transaction is processed inside Qatar. The only charge is a QAR 50 late payment fee, approved by our Sharia Supervisory Committee and donated in full to charity. Join 500,000+ shoppers in Qatar already paying a smarter way.

Screenshots

Split Bill4 screens
PayLater4 screens

Verdict

The call

The clearest difference is review sentiment: Split Bill at 100% against PayLater's 28%. PayLater's advantage is in-app purchases (none vs 3) and ads (none vs shown). On price, update cadence and device support 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Split Bill sells 3 in-app purchases, starting at $5.99 per month. PayLater asks for nothing beyond the download.

UpkeepUpdate frequency

Split Bill ships an update fortnightly, PayLater every 3 weeks. The most recent releases landed on September 11, 2026 and September 23, 2026 respectively.

Scorecard5 real differences · 5 level
Split Bill versus PayLater: the parameters behind the verdict, then further details
ParameterSplit BillPayLater
PriceFreeFree
Rating—3.5 (298 ratings) — better
Positive reviews100.0% of reviews — better28.4% of reviews
Number of ratings—298 — better
Update frequencyFortnightly — betterEvery 3 weeks
AdsYesNo — better
In-app purchasesYesNo — better
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPadiPhone, iPod
Requires iOS17.015.6 — better
Further details — not scored
Size31 MB106 MB
Age rating4+4+
DeveloperHung Truong KhanhPay Later

Customer experience

Split Bill

Written reviews9 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

PayLater

All ratings298 ratings
Positive62.1%
Neutral2.3%
Negative35.6%
Written reviews169 reviews
Positive28.4%
Neutral3.6%
Negative68.0%

Bugs and requests

Split Bill

Not enough reviews yet to summarise bugs or requests.

PayLater

Reported bugs

2 issues
  • Login screen freezes
  • Incompatible with older devices

Requested features

2 requests
  • Monthly payment reminder
  • Higher spending limits

In-app purchases

3 purchases

Split Bill

Subscriptions2
  • Bill Splitter Premium Monthly$5.991 Month
  • Bill Splitter Premium Annual3 Days trial$29.991 Year
One-time1
  • Bill Splitter Premium$59.99
None

PayLater

No in-app purchases

Questions

Is Split Bill free?
Split Bill is free to download, with in-app purchases available.
Is PayLater free?
PayLater is free to download, with no in-app purchases.
Do Split Bill or PayLater have ads?
Split Bill shows ads; PayLater does not.
Which is updated more often, Split Bill or PayLater?
Split Bill ships an update fortnightly, and PayLater every 3 weeks. Most recently, Split Bill was updated on September 11, 2026 and PayLater on September 23, 2026.

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