Comparison

Billy vs Pay with Sublime

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

Head to head
About

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.

Highlights
  • 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 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

About

Pay with Sublime

This app helps you lower your bills by splitting payments and earning cash back. It automatically finds savings, negotiates on your behalf, and tracks your subscriptions. Take control of your finances and reduce expenses without direct customer service calls.

Highlights
  • Split bills into smaller payments
  • Earn 5% cash back on timely payments
  • Automatic bill negotiation
  • Finds hidden savings
  • Subscription tracking and management
  • Due date alerts
Features
Read full description

Pay your bills over time — then lower them. Sublime is the smartest way to manage the bills you already pay and save. Split bills into easy weekly payments, earn cash back, and let AI bring your bills down in the background. SPLIT ANY BILL INTO 4 WEEKLY PAYMENTS Stop juggling between due dates and payday. Sublime pays your bills, and you pay back over time on your schedule. A $400 bill becomes four $100 weeks — no late fees, no surprises, no overdrafts. EARN 5% CASH BACK WHEN YOU PAY OVER TIME The more bills you run through Sublime, the more you earn back. Get paid, to pay your bills. AI THAT LOWERS YOUR BILLS AUTOMATICALLY Sublime scans your accounts to find where you're overpaying, then applies discounts, promotions, and savings programs you qualify for. You don't haggle, call customer service, or compare quotes — Sublime does it for you. WORKS ON THE BILLS YOU ALREADY PAY Cell phone and internet Auto and home insurance Electricity, gas, and water Childcare and daycare Streaming and subscriptions BUILT FOR YOUR PEACE OF MIND Bank-level encryption. Clear pricing. No hidden fees. You're always in control of what gets paid and when. Download Sublime and start paying less for the bills you can't avoid.

Screenshots

Billy4 screens
Pay with Sublime4 screens

Verdict

The call

The clearest difference is in-app purchases: Pay with Sublime at none against Billy's 3. Pay with Sublime also leads on ratings volume (157 vs 2). Billy's advantage is rating (5.0 vs 4.7) and review sentiment (100% vs 86%). On price, update cadence, ads and monetization model 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. Billy sells 3 one-off in-app purchases. Pay with Sublime asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

Billy holds the better App Store score, 5.0 against 4.7. That said, the two scores are not equally well evidenced: Pay with Sublime has 157 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 86% of Pay with Sublime's.

UpkeepUpdate frequency

Billy ships an update every 11 days, Pay with Sublime every 9 days. The most recent releases landed on September 22, 2026 and September 30, 2026 respectively.

Scorecard5 real differences · 5 level
Billy versus Pay with Sublime: the parameters behind the verdict, then further details
ParameterBillyPay with Sublime
PriceFreeFree
Rating5.0 (2 ratings) — better4.7 (157 ratings)
Positive reviews100.0% of reviews — better85.7% of reviews
Number of ratings2157 — better
Update frequencyEvery 11 daysEvery 9 days — better
AdsNoNo
In-app purchasesYesNo — better
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS15.1 — better18.5
Further details — not scored
Size39 MB61 MB
Age rating4+17+
DeveloperSungtae KimSublime Payments Company

Customer experience

Billy

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Pay with Sublime

All ratings157 ratings
Positive92.4%
Neutral1.9%
Negative5.7%
Written reviews14 reviews
Positive85.7%
Neutral0.0%
Negative14.3%

In-app purchases

3 purchases

Billy

One-time3
  • 5 Credits$1.99
  • 10 Credits$2.99
  • 20 Credits$3.99
None

Pay with Sublime

No in-app purchases

Questions

Is Billy free?
Billy is free to download, with in-app purchases available.
Is Pay with Sublime free?
Pay with Sublime is free to download, with no in-app purchases.
Which has better reviews, Billy or Pay with Sublime?
Billy is rated higher. Billy averages 5.0 out of 5 from 2 ratings, while Pay with Sublime averages 4.7 from 157 ratings.
Do Billy or Pay with Sublime have ads?
Neither Billy nor Pay with Sublime shows ads.
Which is updated more often, Billy or Pay with Sublime?
Billy ships an update every 11 days, and Pay with Sublime every 9 days. Most recently, Billy was updated on September 22, 2026 and Pay with Sublime on September 30, 2026.

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