Comparison

PayLater vs SplitPay

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

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.

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
Read full description

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.

About

SplitPay

Features
Read full description

Our app makes dividing shared costs fast, easy, and stress-free. Whether you’re covering a meal, a trip, food shopping, housing, or any joint purchase, you can work out each person’s portion with just a couple of taps. Start a new expense, input the full sum, pick the way you want to divide it, and immediately view how much every member owes. Store past calculations, return to them at any time, or send the final breakdown to your group. Built with a sleek, contemporary look, our app lets you manage joint costs without extra complications. Features: - Divide costs evenly within moments - Set personalized payment figures - Split costs by percentage - Store earlier expense calculations - Send payment overviews - Produce clear spending summaries - Handle any quantity of participants - Quick and precise math - Straightforward, neat, and user-friendly layout From daily coffee runs to holiday spending and group meals, our app makes it simple to divide expenses fairly and keep everyone aligned. Privacy Policy: https://docs.google.com/document/d/1iDIaPdbOwz5DFgEWuPcnlOAxAz3xMgkCv7y3VeNoKSA/edit?tab=t.0 Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

PayLater4 screens
SplitPay4 screens

Verdict

The call

The clearest difference is in-app purchases: PayLater at none against SplitPay's 5. PayLater also leads on update cadence (every 3 weeks vs every 2 months). On price, ads, device support and iOS requirement 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. SplitPay sells 5 in-app purchases, starting at $4.99 per 7 days. PayLater asks for nothing beyond the download.

UpkeepUpdate frequency

PayLater ships an update every 3 weeks, SplitPay every 2 months. The most recent releases landed on October 14, 2026 and October 10, 2026 respectively.

Scorecard2 real differences · 8 level
PayLater versus SplitPay: the parameters behind the verdict, then further details
ParameterPayLaterSplitPay
PriceFreeFree
Rating3.5 (304 ratings) — better—
Positive reviews28.3% of reviews—
Number of ratings304 — better—
Update frequencyEvery 3 weeks — betterEvery 2 months
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree—
DevicesiPhone, iPodiPhone, iPad
Requires iOS15.6 — better16.0
Further details — not scored
Size106 MB19 MB
Age rating4+4+
DeveloperPay LaterSEIB INSURANCE AGENTS LTD

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

SplitPay

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

PayLater

No in-app purchases

5 purchases

SplitPay

Subscriptions4
  • Weekly$4.997 Days
  • Weekly-Trial3 Days trial$4.997 Days
  • Monthly$12.991 Month
Show 1 more
  • Yearly$39.991 Year
One-time1
  • Lifetime$59.99

Questions

Is PayLater free?
PayLater is free to download, with no in-app purchases.
Is SplitPay free?
SplitPay is free to download, with in-app purchases available.
Do PayLater or SplitPay have ads?
Neither PayLater nor SplitPay shows ads.
Which is updated more often, PayLater or SplitPay?
PayLater ships an update every 3 weeks, and SplitPay every 2 months. Most recently, PayLater was updated on October 14, 2026 and SplitPay on October 10, 2026.

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