Billy vs Pay with Sublime
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
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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
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.
- 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
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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
Verdict
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
Both are free to download. Billy sells 3 one-off in-app purchases. Pay with Sublime asks for nothing beyond the download.
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.
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.
| Parameter | Billy | Pay with Sublime |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (2 ratings) — better | 4.7 (157 ratings) |
| Positive reviews | 100.0% of reviews — better | 85.7% of reviews |
| Number of ratings | 2 | 157 — better |
| Update frequency | Every 11 days | Every 9 days — better |
| Ads | No | No |
| In-app purchases | Yes | No — better |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPad |
| Requires iOS | 15.1 — better | 18.5 |
| Further details — not scored | ||
| Size | 39 MB | 61 MB |
| Age rating | 4+ | 17+ |
| Developer | Sungtae Kim | Sublime Payments Company |
Customer experience
Billy
Pay with Sublime
In-app purchases
Billy
- 5 Credits$1.99
- 10 Credits$2.99
- 20 Credits$3.99
Pay with Sublime
No in-app purchases









