# PayLater vs Sqsh

The clearest difference is review sentiment: Sqsh at 100% against PayLater's 28%. Sqsh also leads on rating (5.0 vs 3.5) and update cadence (every 6 days vs every 3 weeks). PayLater's advantage is in-app purchases (none vs 4) and ratings volume (304 vs 3). On price, ads, device support and iOS requirement there is nothing between them.

Both are free to download. Sqsh sells 4 in-app purchases, starting at $2.99 per month. PayLater asks for nothing beyond the download.

Sqsh holds the better App Store score, 5.0 against 3.5. That said, the two scores are not equally well evidenced: PayLater has 304 ratings behind it against 3, 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 100% of Sqsh's.

PayLater ships an update every 3 weeks, Sqsh every 6 days. The most recent releases landed on October 17, 2026 and October 15, 2026 respectively.

## The numbers

| Metric | PayLater | Sqsh |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.5 (304 ratings)](https://appshunter.io/ios/app/paylater-split-your-payments/id6738985290/reviews) | **[5.0 (3 ratings)](https://appshunter.io/ios/app/sqsh/id6762160717/reviews)** |
| Number of ratings | **304** | 3 |
| Positive reviews | 28.3% of reviews | **100.0% of reviews** |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Every 6 days** |
| Monetization | **Free** | Freemium |
| Size | 106 MB | 35 MB |
| Requires iOS | **15.6** | 16.0 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [Pay Later](https://appshunter.io/developer/1754177617) | [Indigo LLC](https://appshunter.io/developer/1893168697) |

## 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


### Sqsh

[App page](https://appshunter.io/ios/app/sqsh/id6762160717)

Effortlessly split bills with friends using AI-powered receipt scanning. Automatically calculates individual shares, including tax and tip, for any shared expense. Integrates with popular payment apps for easy settlement.

**Highlights:** AI receipt scanning, Automatic itemization, Individual share calculation, Tax and tip inclusion, Direct payment integration, Group session history, Guest access

**Features:** Family Sharing

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly Subscription | $2.99 | per month |
| Biannual Subscription | $12.99 | per 6 months |
| Annual Subscription | $19.99 | per year |
| One-time scan credit | $0.49 | one-time |


## Frequently asked questions

### Is PayLater free?

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

### Is Sqsh free?

Sqsh is free to download, with in-app purchases available.

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

Sqsh is rated higher. PayLater averages 3.5 out of 5 from 304 ratings, while Sqsh averages 5.0 from 3 ratings.

### Do PayLater or Sqsh have ads?

Neither PayLater nor Sqsh shows ads.

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

PayLater ships an update every 3 weeks, and Sqsh every 6 days. Most recently, PayLater was updated on October 17, 2026 and Sqsh on October 15, 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.*