PayLater vs Splitfun
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
PayLater
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.
- 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
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Shop now, pay later, with zero interest and zero fees. Forever. PayLater is Qatar's first Buy Now, Pay Later app licensed by the Qatar Central Bank. Split purchases into up to 4 instalments with PayLater. For eligible orders, FleXed lets you pay over up to 12 months at selected stores. No interest. No fees. No catch. 100% SHARIA-COMPLIANT PayLater is fully Sharia-compliant and certified by Bait Al Mashoura. 0% interest and 0% fees are not an introductory offer. They are how the product is built, and they are forever. SPLIT IN 4 Choose your first payment and spread the balance across the remaining instalments. Get approved in minutes with your Qatari ID and a selfie. FLEXED: UP TO 12 MONTHLY INSTALMENTS Bigger purchase? FleXed gives you up to 12 monthly instalments for eligible orders at selected stores. Every eligible account gets 10 FleXed credits, one for each instalment you add beyond the standard 4, and you can run up to 2 FleXed orders at the same time. Your credits come back as you repay. Still zero interest, zero fees, fully Sharia-compliant. FleXed is offered based on eligibility and may not be available to everyone. Terms and conditions apply. Visit https://paylaterapp.com/ for more information. *The FleXed feature is currently available to users in beta mode. YOUR FIRST PAYMENT, YOUR CALL You decide what you pay up front. Choose a first payment at least equal to each remaining instalment and the balance splits evenly across the instalments you choose. Found something that costs more than your limit? Pay the difference up front and split the rest. Your limit does not have to end the sale. WHERE YOU CAN USE IT Shop online and in store at more than 1,600 brands and 3,500 branches across Qatar, including Lulu, Fnac and many more. EVERYTHING IN ONE APP Track your available limit in real time See every order and upcoming due date in one place Repay early whenever you want, at no cost Manage your cards securely Switch between English and Arabic anytime SAFE, LOCAL, TRANSPARENT Licensed and regulated by the Qatar Central Bank. PCI DSS-compliant payment security. Every transaction is processed locally in Qatar for faster, safer payments. Join 500,000+ shoppers across Qatar already paying a smarter way. Buy now pay later Qatar, BNPL Qatar, split payments, pay in 4, instalments, monthly instalments, interest free shopping, Sharia-compliant finance, online shopping Qatar, Doha.
Splitfun
Effortlessly manage shared expenses with friends, family, and colleagues. Track who owes what for rent, trips, or meals and settle up quickly. Enjoy stress-free expense management with a user-friendly interface and secure cloud backup.
- Flexible bill splitting (equal, percentage, exact)
- Group management for trips, roommates, events
- Real-time notifications for expenses and settlements
- Cloud backup for secure data storage
- User-friendly and intuitive interface
- Privacy and security with data encryption
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Splitfun: The Smart Way to Split Bills and Manage Shared Expenses Splitfun is the ultimate app for effortlessly managing shared expenses with friends, family, and colleagues. Whether you're splitting rent, planning a group trip, or just sharing a meal, Splitfun makes it easy to track who owes what and settle up quickly. Say goodbye to awkward money conversations and hello to stress-free expense management! --- Key Features: Flexible Splitting: Split bills equally, by percentage, or by exact amounts—perfect for any situation. Group Management: Create groups for roommates, trips, or events, and easily track shared costs. Real-Time Notifications: Stay updated with push notifications for new expenses and settlements. Cloud Backup: Securely store all your data with automatic backups, accessible anytime. --- Perfect For: Roommates: Split rent, utilities, and groceries with ease. Travelers: Manage group trip expenses, from flights to meals. Couples: Track shared costs like dates, groceries, and more. Events: Organize weddings, parties, or group outings without the hassle. Friends & Colleagues: Split lunch bills, gifts, or group activities effortlessly. --- Why Choose SplitFun? User-Friendly Interface: Simple and intuitive design for seamless expense management. Privacy & Security: Your data is encrypted and stored securely, with strict access controls. --- Download Splitfun Today! Say goodbye to the hassle of manual calculations and awkward money conversations. Whether you're managing shared expenses with roommates, planning a group trip, or just splitting a dinner bill, Splitfun is here to make your life easier. Download now and experience the smart way to split bills! --- Privacy & Terms: Your privacy is important to us. Learn more about how we protect your data by visiting our [Privacy Policy](https://www.splitfun.com/protocol/PrivacyPolicy.html) and [Terms of Service](https://www.splitfun.com/protocol/UserAgreement.html).
Screenshots
Verdict
The clearest difference is rating: Splitfun at 5.0 against PayLater's 3.4. Splitfun also leads on update cadence (every 9 days vs every 3 weeks) and iOS requirement (13.0 vs 15.6). PayLater's advantage is in-app purchases (none vs 4) and ratings volume (317 vs 2). 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
Both are free to download. Splitfun sells 4 in-app purchases, starting at $3.99 per month. PayLater asks for nothing beyond the download.
Splitfun holds the better App Store score, 5.0 against 3.4. That said, the two scores are not equally well evidenced: PayLater has 317 ratings behind it against 2, so its average is the more settled of the two.
PayLater ships an update every 3 weeks, Splitfun every 9 days. The most recent releases landed on October 30, 2026 and October 19, 2026 respectively.
| Parameter | PayLater | Splitfun |
|---|---|---|
| Price | Free | Free |
| Rating | 3.4 (317 ratings) | 5.0 (2 ratings) — better |
| Positive reviews | 27.8% of reviews | — |
| Number of ratings | 317 — better | 2 |
| Update frequency | Every 3 weeks | Every 9 days — better |
| Ads | No | No |
| In-app purchases | No — better | Yes |
| Monetization | Free — better | Free with in-app purchases |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.6 | 13.0 — better |
| Further details — not scored | ||
| Size | 106 MB | 25 MB |
| Age rating | 4+ | 17+ |
| Developer | Pay Later | FORWARD SILVER LTD |
Customer experience
PayLater
Splitfun
Bugs and requests
PayLater
Reported bugs
2 issues- Login screen freezes
- Incompatible with older devices
Requested features
2 requests- Monthly payment reminder
- Higher spending limits
Splitfun
Not enough reviews yet to summarise bugs or requests.
In-app purchases
PayLater
No in-app purchases
Splitfun
- Golden Member Monthly Card1 Month trial$3.991 Month
- Golden Member Monthly Card$3.991 Month
- Golden Member Yearly Card1 Month trial$34.991 Year
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- Golden Member Yearly Card1 Year trial$34.991 Year









