# PayLater vs Qpay Merchants

The clearest difference is update cadence: PayLater at every 3 weeks against Qpay Merchants's every 4 months. On price, ads, in-app purchases and device support there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

PayLater ships an update every 3 weeks, Qpay Merchants every 4 months. The most recent releases landed on October 30, 2026 and September 23, 2026 respectively.

## The numbers

| Metric | PayLater | Qpay Merchants |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.4 (317 ratings)](https://appshunter.io/ios/app/paylater-split-your-payments/id6738985290/reviews)** | — |
| Number of ratings | **317** | — |
| Positive reviews | 27.8% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Every 4 months |
| Monetization | Free | — |
| Size | 106 MB | 53 MB |
| Requires iOS | 15.6 | 15.6 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [Pay Later](https://appshunter.io/developer/1754177617) | [Fintech Solutions](https://appshunter.io/developer/1730446709) |

## What reviewers say

### 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


### Qpay Merchants

[App page](https://appshunter.io/ios/app/qpay-merchants/id6743667830)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is PayLater free?

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

### Is Qpay Merchants free?

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

### Do PayLater or Qpay Merchants have ads?

Neither PayLater nor Qpay Merchants shows ads.

### Which is updated more often, PayLater or Qpay Merchants?

PayLater ships an update every 3 weeks, and Qpay Merchants every 4 months. Most recently, PayLater was updated on October 30, 2026 and Qpay Merchants on September 23, 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.*