Billy vs PayProtocol
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Billy
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.
- Scan receipts with a photo
- Automatic line item extraction
- Assign items to individuals
- Calculate tip and tax
- Instant total calculation
- Shareable expense summaries
Read full descriptionHide full description
Split bills from a receipt in seconds. Snap a photo and Billy scans your receipt, pulls out each line item, and lets you quickly assign items to friends. Add tip and tax, and Billy instantly calculates who owes what. Then share a clean summary in one tap. No logins. No spreadsheets. Just fast, fair bill splitting. Perfect for dinners, takeout, coffee runs, roommates, and group trips. How it works: - Snap a photo of your receipt - Review scanned items - Assign items to each person - Add tip/tax if needed - See totals instantly - Share a ready-to-send summary
PayProtocol
Read full descriptionHide full description
PayProtocol: Financial Innovation Bridging Web3 and Reality Established in Switzerland in 2018, PayProtocol AG is a blockchain-based payment solutions company and the official issuer of Paycoin (PCI). As a virtual asset service provider registered with VQF under the Swiss Financial Market Supervisory Authority (FINMA), we have maintained a perfect security record while serving approximately 3 million users worldwide. PayProtocol offers an integrated solution that lets you perfectly manage your digital assets and use them in everyday life. Our Non-Custody wallet and Mastercard-enabled digital card serve as a bridge connecting Web3 to the real world. Your Digital Assets, Your Control Through our Non-Custody wallet service, you can maintain complete control over your digital assets by managing your own private keys without intermediaries. Our top-tier security system keeps your assets safe at all times. Use Your Digital Assets in Real Life Experience the innovation of PayProtocol Card and start using your Web3 assets in everyday situations. Register without a physical card on Google Wallet, Apple Pay, WeChat Pay, or AliPay to conveniently make payments at Mastercard merchants worldwide. In Korea, we've successfully implemented Paycoin real-world payment services in partnership with Danal. PayProtocol AG continuously develops solutions that bridge the gap between digital assets and the real economy through practical applications of Web3 technology. Join PayProtocol today and experience the future of finance.
Screenshots
Verdict
The clearest difference is in-app purchases: PayProtocol at none against Billy's 3. On price, update cadence, 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
Both are free to download. Billy sells 3 one-off in-app purchases. PayProtocol asks for nothing beyond the download.
Billy ships an update every 11 days, PayProtocol weekly. The most recent releases landed on June 1, 2026 and September 20, 2026 respectively.
| Parameter | Billy | PayProtocol |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (2 ratings) — better | — |
| Positive reviews | 100.0% of reviews | — |
| Number of ratings | 2 — better | — |
| Update frequency | Every 11 days | Weekly — better |
| Ads | No | No |
| In-app purchases | Yes | No — better |
| Monetization | Free | — |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 15.1 | 15.1 |
| Further details — not scored | ||
| Size | 39 MB | 51 MB |
| Age rating | 4+ | 4+ |
| Developer | Sungtae Kim | PAYCOIN CO., LTD. |
In-app purchases
Billy
- 5 Credits$1.99
- 10 Credits$2.99
- 20 Credits$3.99
PayProtocol
No in-app purchases
