Comparison

THAT vs Paymybillz

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

Head to head
About

THAT

This app allows users to securely store, manage, and spend cryptocurrency for real-world purchases. It facilitates instant crypto-to-crypto payments at participating businesses and offers features like token swapping and a merchant directory.

Highlights
  • Secure crypto asset management
  • Instant crypto-to-crypto payments
  • Decentralized token swaps
  • Local currency balance view
  • Merchant discovery directory
  • Self-custody of private keys
Features
Read full description

THAT is the self-custody crypto wallet built for real-world use. Manage your crypto, discover businesses, earn THATBACK rewards, and make direct on-chain payments β€” while staying in control of your keys. THAT helps turn crypto from something you just hold into something you can actually use. Send, receive, swap, bridge, and spend crypto across supported EVM-compatible networks, with real businesses accepting payments through THAT. Why THAT? β€’ Spend crypto at participating businesses directly on-chain β€’ Earn THATBACK rewards on eligible payments β€’ Preview your estimated THATBACK before you pay β€’ Progress through reward tiers and missions to unlock higher rewards β€’ Discover new and featured businesses in the THAT Directory β€’ Swap tokens and use cross-chain swaps across supported networks β€’ Bridge THAT between supported networks, including Ethereum and Polygon β€’ Manage multiple wallets while keeping full control of your keys Spend crypto in the real world Scan a QR code, review the payment details, preview your estimated THATBACK, and pay directly from your wallet. Receipts include merchant details, payment breakdowns, and reward information so every transaction is easy to track. Earn THATBACK rewards Earn crypto back when you pay at eligible participating businesses. View available THATBACK rates in the directory, track your rewards, and move through tiers to unlock higher rewards. Manage your crypto in a few taps Send and receive crypto wallet-to-wallet, swap tokens through integrated decentralized protocols, use cross-chain swaps, bridge THAT, group and organize wallets, and view balances and activity in your local currency. Discover places to pay Explore the redesigned THAT Directory to find businesses that accept payments through THAT. See featured businesses, newly added locations, and THATBACK opportunities before you visit or pay. Protect your wallet with confidence THAT is self-custody. You own your keys and control your assets. We do not store your seed phrase, private keys, or crypto. Optional Strict Mode adds Face ID protection to sensitive actions, while wallet filters help reduce dust and spam NFT clutter. THAT puts crypto where it was always meant to be β€” in your hands, on-chain, and ready to use. Please Note: THAT is a self-custody wallet. Users are responsible for managing their own keys, wallets, and funds. THAT does not provide custodial services, financial advice, brokerage services, or exchange services. Token swaps and bridges may be powered by third-party providers and decentralized protocols. THAT does not hold, manage, or control crypto assets on behalf of users.

About

Paymybillz

Features
Read full description

All your bills. One secure place. PayMyBillz helps you scan, track and pay your bills without the stress. No more missed due dates. No more scrambling through your inbox. No auto-payments you forgot about. Forward & Forget Every account gets its own private PayMyBillz email address. Just forward bill emails or PDFs straight to it β€” we read them automatically and turn them into ready-to-review bills. No manual typing. Scan & Capture Prefer paper? Snap a photo of any bill and PayMyBillz pulls out the amount, due date and biller for you. Stay Ahead See every upcoming bill in one clear timeline, with 30-day projections so nothing catches you by surprise. Pay With Control Pay securely using card. Nothing is ever paid without your approval. Smart Reminders Get notified before bills are due so you can avoid late fees. Built For Australians Supports BPAY, utilities, council rates, fines and more. Your data is encrypted and processed securely. β€” PayMyBillz Plus is an auto-renewing subscription: β€’ Title: PayMyBillz Plus β€’ Length: 1 month (auto-renews monthly) β€’ Price: $6.99/month (or local equivalent) Payment is charged to your Apple ID at purchase confirmation. The subscription renews automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel anytime in your Apple ID settings. Privacy Policy: https://paymybillz.com.au/privacy Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

THAT4 screens
Paymybillz4 screens

Verdict

The call

THAT and Paymybillz are too close to call on the numbers: across 6 compared parameters β€” price, update cadence, ads and in-app purchases among them β€” neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

Scored on Price Β· Rating Β· Positive reviews Β· Number of ratings Β· Update frequency Β· Ads Β· In-app purchases Β· Monetization Β· Best chart rank Β· Devices Β· Requires iOS

CostPrice Β· In-app purchases Β· Ads Β· Monetization

Both are free to download. THAT sells 4 one-off in-app purchases and Paymybillz sells 1 in-app purchase, starting at $6.99 per month. Whichever you choose, the download price is not the number that matters.

UpkeepUpdate frequency

THAT ships an update every 10 days, Paymybillz every 2 weeks. The most recent releases landed on October 26, 2026 and October 25, 2026 respectively.

ScorecardNo meaningful differences
THAT versus Paymybillz: the parameters behind the verdict, then further details
ParameterTHATPaymybillz
PriceFreeFree
Positive reviews100.0% of reviewsβ€”
Update frequencyEvery 10 days β€” betterEvery 2 weeks
AdsNoNo
In-app purchasesYesYes
MonetizationFreeβ€”
DevicesiPhone, iPad β€” betteriPhone
Requires iOS17.016.0 β€” better
Further details β€” not scored
Size120 MB37 MB
Age rating17+4+
DeveloperTHAT COINpadraig fanning

In-app purchases

4 purchases

THAT

One-time4
  • Featured Placement - 3 Days$14.99
  • Featured Placement - 7 Days$29.99
  • Featured Placement β€” 14 Days$59.99
Show 1 more
  • Publish Offers$1000.00
1 purchases

Paymybillz

Subscriptions1
  • PayMyBillz Monthly Subscription$6.991 Month

Questions

Is THAT free?
THAT is free to download, with in-app purchases available.
Is Paymybillz free?
Paymybillz is free to download, with in-app purchases available.
Do THAT or Paymybillz have ads?
Neither THAT nor Paymybillz shows ads.
Which is updated more often, THAT or Paymybillz?
THAT ships an update every 10 days, and Paymybillz every 2 weeks. Most recently, THAT was updated on October 26, 2026 and Paymybillz on October 25, 2026.

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