# PayLater vs Splitzee

The clearest difference is review sentiment: Splitzee at 80% against PayLater's 28%. Splitzee also leads on rating (4.2 vs 3.5) and update cadence (every 3 days vs every 3 weeks). PayLater's advantage is ratings volume (304 vs 5). On price, ads, in-app purchases and monetization model there is nothing between them.

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

Splitzee holds the better App Store score, 4.2 against 3.5. That said, the two scores are not equally well evidenced: PayLater has 304 ratings behind it against 5, so its average is the more settled of the two. Written reviews point the same way: 28% of PayLater's written reviews are positive against 80% of Splitzee's.

PayLater ships an update every 3 weeks, Splitzee every 3 days. The most recent releases landed on October 2, 2026 and September 21, 2026 respectively.

## The numbers

| Metric | PayLater | Splitzee |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.5 (304 ratings)](https://appshunter.io/ios/app/paylater-split-your-payments/id6738985290/reviews) | **[4.2 (5 ratings)](https://appshunter.io/ios/app/splitzee-split-track-done/id6752957037/reviews)** |
| Number of ratings | **304** | 5 |
| Positive reviews | 28.2% of reviews | **80.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Every 3 days** |
| Monetization | Free | Free |
| Size | 106 MB | 1 MB |
| Requires iOS | 15.6 | **15.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Pay Later](https://appshunter.io/developer/1754177617) | [NxtStop LLC](https://appshunter.io/developer/1830498633) |

## 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


### Splitzee

[App page](https://appshunter.io/ios/app/splitzee-split-track-done/id6752957037)

Effortlessly divide group expenses by snapping a photo of a bill. Assign who paid and who owes without needing an account or bank connection. Track shared costs for dinners, trips, and everyday bills with a privacy-first approach.

**Highlights:** Scan or upload receipts, Assign payers and debtors, No account or bank connection required, Offline bill splitting, Flexible expense tracking, Privacy-focused data storage

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is PayLater free?

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

### Is Splitzee free?

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

### Which has better reviews, PayLater or Splitzee?

Splitzee is rated higher. PayLater averages 3.5 out of 5 from 304 ratings, while Splitzee averages 4.2 from 5 ratings.

### Do PayLater or Splitzee have ads?

Neither PayLater nor Splitzee shows ads.

### Which is updated more often, PayLater or Splitzee?

PayLater ships an update every 3 weeks, and Splitzee every 3 days. Most recently, PayLater was updated on October 2, 2026 and Splitzee on September 21, 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.*