# Billy vs PayLater

The clearest difference is review sentiment: Billy at 100% against PayLater's 28%. Billy also leads on rating (5.0 vs 3.5). PayLater's advantage is in-app purchases (none vs 3) and ratings volume (304 vs 2). On price, update cadence, ads and monetization model there is nothing between them.

Both are free to download. Billy sells 3 one-off in-app purchases. PayLater asks for nothing beyond the download.

Billy holds the better App Store score, 5.0 against 3.5. That said, the two scores are not equally well evidenced: PayLater has 304 ratings behind it against 2, so its average is the more settled of the two. Written reviews point the same way: 100% of Billy's written reviews are positive against 28% of PayLater's.

Billy ships an update every 11 days, PayLater every 3 weeks. The most recent releases landed on October 8, 2026 and October 17, 2026 respectively.

## The numbers

| Metric | Billy | PayLater |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (2 ratings)](https://appshunter.io/ios/app/billy-split-bills-instantly/id6736915357/reviews)** | [3.5 (304 ratings)](https://appshunter.io/ios/app/paylater-split-your-payments/id6738985290/reviews) |
| Number of ratings | 2 | **304** |
| Positive reviews | **100.0% of reviews** | 28.3% of reviews |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | **Every 11 days** | Every 3 weeks |
| Monetization | Free | Free |
| Size | 39 MB | 106 MB |
| Requires iOS | **15.1** | 15.6 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Sungtae Kim](https://appshunter.io/developer/1773812036) | [Pay Later](https://appshunter.io/developer/1754177617) |

## What reviewers say

### Billy

[App page](https://appshunter.io/ios/app/billy-split-bills-instantly/id6736915357)

Effortlessly divide expenses from receipts by snapping a photo. The app automatically scans items, allows easy assignment to friends, and calculates exact amounts owed, including tip and tax. Share clear summaries instantly without needing to log in.

**Highlights:** Scan receipts with a photo, Automatic line item extraction, Assign items to individuals, Calculate tip and tax, Instant total calculation, Shareable expense summaries

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| 5 Credits | $1.99 | one-time |
| 10 Credits | $2.99 | one-time |
| 20 Credits | $3.99 | one-time |


### PayLater

[App page](https://appshunter.io/ios/app/paylater-split-your-payments/id6738985290)

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:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 Trusted
- 👍 Great experience

**What reviewers complain about**

- 💡 No Arabic language support
- 💡 Low spending limit
- 🐛 Debit card not supported
- 🐛 OTP not received
- 🐛 Unable to delete app and restart

**Reported bugs**

- Login screen freezes
- Incompatible with older devices

**Requested features**

- Monthly payment reminder
- Higher spending limits


## Frequently asked questions

### Is Billy free?

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

### Is PayLater free?

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

### Which has better reviews, Billy or PayLater?

Billy is rated higher. Billy averages 5.0 out of 5 from 2 ratings, while PayLater averages 3.5 from 304 ratings.

### Do Billy or PayLater have ads?

Neither Billy nor PayLater shows ads.

### Which is updated more often, Billy or PayLater?

Billy ships an update every 11 days, and PayLater every 3 weeks. Most recently, Billy was updated on October 8, 2026 and PayLater on October 17, 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.*