Comparison

iPay vs Debt Tracker by UnDebt

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

Head to head
About

iPay

Features
Read full description

Welcome to the iPay Collection Services app, a powerful tool designed specifically for registered collection agents operating in Curaçao and Sint Maarten. Our app streamlines the debt collection process, making it easier for agents to manage, follow up, and collect outstanding payments from third-party companies. Features: 1. Account Assignment: Easily receive assignments of outstanding invoices from third-party companies. 2. Debtor Information Access: View detailed contact information of assigned debtors. 3. Communication Tools: Use push messages, calls, and emails to contact debtors directly from the app. 4. Interaction Logging: Register details of each communication with debtors, including follow-up dates. 5. Automated Follow-up List: Automatically track and remind you of customers who need to be contacted based on scheduled follow-up dates. 6. Payment Registration: Record payments received from debtors, with debtor signature confirmation. 7. Admin Approval: Admin panel approval required for payment transactions to ensure accuracy and integrity. 8. Performance Monitoring: Admin panel allows monitoring of collection processes and auditing of agent performance. iPay Collection Services app ensures that collection agents can work efficiently and effectively, maintaining the highest standards of integrity and performance. This app is an essential tool for any registered agent tasked with collecting outstanding debts in Curaçao and Sint Maarten. Download the iPay Collection Services app today and take control of your debt collection process.

About

Debt Tracker by UnDebt

Easily manage all your debts and loans in one place. Track payments, interest, and categorize your financial obligations to stay organized and on the path to financial freedom.

Highlights
  • Custom debt categories
  • Interest rate tracking
  • Track lent and borrowed money
  • Debt summary and progress tracking
  • Payment recording
  • Simple, easy-to-use interface
Features
Read full description

Debt Tracker turns "I think I owe about…" into an exact number, a date, and a plan to get there. Add what you owe, from credit cards and student loans to car finance or the money you borrowed off your sister, and see the whole picture on one screen: your total, what you're owed back, what interest costs you each day, and the date you'll be debt-free. A PLAN THAT TELLS YOU WHAT TO PAY Enter each debt's balance, rate and minimum payment, pick a strategy and a monthly budget, and Debt Tracker builds your plan: exactly what to pay on each debt, every month, until you're free. SIX STRATEGIES, COMPARED ON YOUR NUMBERS Snowball for quick wins. Avalanche for the lowest interest. Consolidation for one simple payment. Plus Highest Interest Cost, Cash Flow, or your own order. See which clears your debt soonest and cheapest, then make it your plan. WHAT IF Try a raise, a bonus or a tax refund and watch your debt-free date move. WATCH THE BALANCE FALL The Progress tab charts your balance against your plan and tells you when you're ahead. Streaks and badges mark the way. LOG A PAYMENT IN SECONDS Your minimum is already filled in, so logging a payment is one tap. Made a mistake? Undo it, or delete it from your payment history. NEVER MISS A DUE DATE Get reminded before each due date, so late fees don't undo your work. A calendar shows what's due this month and what's already paid. WIDGETS AND SIRI See your balance and next due date on your Home Screen and Lock Screen. Ask Siri how much you owe, or log a payment without opening the app. MONEY YOU'VE LENT, TOO Debt Tracker keeps track of what friends and family owe you alongside what you owe, so your net position is honest. EVERY DETAIL IN ONE PLACE Tag each debt as a credit card, student loan, mortgage, car loan, medical, tax or personal loan. Add the lender, account reference, contact and notes. Track credit limits, 0% promotional rates and rate changes coming up. Group debts into categories that make sense to you. PRIVATE BY DESIGN No account. No sign-up. No bank logins. Your debts stay on your device unless you choose otherwise. Lock the app with Face ID, and turn on iCloud sync to use it on iPhone and iPad, in your own private iCloud, never on our servers. Import from a spreadsheet or export to CSV any time. ANY CURRENCY, ANY LANGUAGE Every world currency, 28 languages, Dark Mode and Dynamic Type. FREE TO START Track up to 5 debts with your debt-free date, reminders, payment logging, streaks and badges, the calendar, a Home Screen widget, sharing and export, free. DEBT TRACKER PRO A subscription unlocks: • Unlimited debts and categories • Your payoff plan: strategy comparison, month-by-month payments, payoff dates and What If • Debt Coach, a private on-device AI you can ask about your debts (requires a supported device; written guides are free for everyone) • Balance history against your plan • Lock Screen and larger widgets, and logging from a reminder, widget or Siri • Face ID lock and iCloud sync • CSV import and future rate changes Subscriptions are billed through your Apple Account. The monthly plan starts with a 3-day free trial. Payment is charged at confirmation of purchase, and renews automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel any time in your Apple Account settings. Terms and Privacy Policy: https://undebt5.wordpress.com/

Screenshots

iPay4 screens
Debt Tracker by UnDebt4 screens

Verdict

The call

The clearest difference is in-app purchases: iPay at none against Debt Tracker by UnDebt's 2. iPay also leads on iOS requirement (15.6 vs 17.0). Debt Tracker by UnDebt's advantage is update cadence (every 5 days vs every 10 months). On price, ads 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. Debt Tracker by UnDebt sells 2 in-app purchases, starting at $2.99 per month. iPay asks for nothing beyond the download.

UpkeepUpdate frequency

iPay ships an update every 10 months, Debt Tracker by UnDebt every 5 days. The most recent releases landed on October 6, 2026 and October 13, 2026 respectively.

Scorecard3 real differences · 6 level
iPay versus Debt Tracker by UnDebt: the parameters behind the verdict, then further details
ParameteriPayDebt Tracker by UnDebt
PriceFreeFree
Rating—5.0 (4 ratings) — better
Number of ratings—4 — better
Update frequencyEvery 10 monthsEvery 5 days — better
AdsNoNo
In-app purchasesNo — betterYes
Monetization—Free with in-app purchases
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS15.6 — better17.0
Further details — not scored
Size39 MB21 MB
Age rating4+4+
DeveloperImdadul HaqueAdam Jessop

In-app purchases

None

iPay

No in-app purchases

2 purchases

Debt Tracker by UnDebt

Subscriptions2
  • Monthly Subscription$2.991 Month
  • 12 Month Subscription$19.991 Year

Questions

Is iPay free?
iPay is free to download, with no in-app purchases.
Is Debt Tracker by UnDebt free?
Debt Tracker by UnDebt is free to download, with in-app purchases available.
Do iPay or Debt Tracker by UnDebt have ads?
Neither iPay nor Debt Tracker by UnDebt shows ads.
Which is updated more often, iPay or Debt Tracker by UnDebt?
iPay ships an update every 10 months, and Debt Tracker by UnDebt every 5 days. Most recently, iPay was updated on October 6, 2026 and Debt Tracker by UnDebt on October 13, 2026.

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