Comparison

PolyChat vs FairPay

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

Head to head
About

PolyChat

This app allows you to chat with powerful AI models directly on your device, ensuring your conversations remain private and accessible offline. Explore various AI models and harness their reasoning capabilities without needing an internet connection.

Highlights
  • Run state-of-the-art models locally
  • Offline and private conversations
  • Harness AI reasoning power
  • Choose your perfect AI model
  • Clean and intuitive user interface
  • Free to use
Read full description

Tired of Big Tech eavesdropping on your AI chats? We're thrilled to introduce PolyChat, the private AI chat app that puts you in control! We believe your conversations should be yours alone. That's why we've built PolyChat to connect you directly with powerful Large Language Models, right on your device. No internet? No problem! Dive into the exciting world of local AI and explore different models while keeping your thoughts truly private. With PolyChat, you can: • Run State-of-the-Art Models Locally: Tap into the power of the latest generation of language models—designed for high performance and real-time reasoning, right from your phone. • Enjoy Offline & Private Conversations: Your data stays with you. Chat securely anytime, anywhere, without needing an internet connection. • Harness Reasoning Power: Unlock the potential of AI for complex tasks with models designed for advanced reasoning. • Choose Your Perfect AI: Select the best model for your specific needs and discover the unique capabilities of each. PolyChat is perfect for: • Privacy-Focused Individuals: If you want to harness AI capabilities to reason over sensitive data. • Tech Explorers: If you're excited to get hands-on with the latest advancements in local AI. • On-the-Go Innovators: If you need AI assistance even when you're offline. • Curious Minds: If you want to explore and compare the newest Large Language Models. Why choose PolyChat? • Privacy is our top priority – PolyChat is designed to be completely private and works offline, ensuring your conversations stay on your device and out of the cloud. • Finally, we're committed to keeping our AI library updated with the most powerful language models available, so you can always experience the cutting edge of AI technology. • Free to use, giving you access to powerful AI capabilities without any cost. • Clean and intuitive user interface, a welcome change from other local AI chat apps that are often clunky and overwhelming. You'll find PolyChat easy to navigate, letting you focus on exploring the exciting possibilities of AI. Terms of Use: https://www.tokenshop.ai/terms Privacy Policy: https://www.tokenshop.ai/privacy

About

FairPay

Effortlessly divide group bills with this app. Simply scan your receipt, add friends, assign items, and get a fair, mathematically calculated split of costs, tax, and tip.

Highlights
  • AI-powered receipt scanning
  • Automatic item and price extraction
  • Easy friend addition
  • Tap or drag item assignment
  • Proportional tax and tip distribution
  • One-tap export of breakdown
Features
Read full description

Stop doing math at the dinner table. Welcome to FairPay: Scan and Split! The fastest, most hassle-free way to divide group bills without the headache. We’ve all been there: You go out to dinner with a large group, everyone orders different dishes, and when the check arrives, chaos ensues. Figuring out exactly who owes what—especially when trying to fairly calculate tax and tip—can ruin the end of a great night. FairPay does the heavy lifting for you in four simple steps: Snap a Photo: Take a picture of your receipt and let our AI instantly extract all the items and prices. Add Your Friends: Quickly add everyone who shared the meal. Assign Items: Simply tap or drag items to the person who ordered them. Shared an appetizer? Split it down the middle! Get the Fair Split: FairPay automatically calculates each person’s exact share, mathematically distributing the tax and tip proportionally based on what they actually ordered. Key Features: Lightning-Fast Receipt Scanner: Powered by advanced AI to accurately read complex, crumpled, or long receipts. Proportional Math: Stop splitting the tip evenly when someone ordered a salad and someone else ordered a steak. Tax and tip scale automatically. Easy Exporting: One tap to share the final breakdown with the group via text so everyone knows exactly what to pay. Focus on the meal, not the math. Download FairPay today and make group dining effortless!

Screenshots

PolyChat4 screens
FairPay4 screens

Verdict

The call

The clearest difference is in-app purchases: FairPay at none against PolyChat's 3. FairPay also leads on device support (3 vs 1) and iOS requirement (15.1 vs 17.6). On price, rating, review sentiment and ratings volume 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. PolyChat sells 3 in-app purchases, starting at $1.99 per 7 days. FairPay asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 5.0 for PolyChat against 5.0 for FairPay. Both are backed by a comparable volume of ratings — 10 and 4 respectively. Written reviews split almost evenly too, at 100% and 100% positive.

UpkeepUpdate frequency

PolyChat ships an update every 3 weeks, FairPay monthly. Both last shipped on September 18, 2026.

Scorecard4 real differences · 6 level
PolyChat versus FairPay: the parameters behind the verdict, then further details
ParameterPolyChatFairPay
PriceFreeFree
Rating5.0 (10 ratings)5.0 (4 ratings)
Positive reviews100.0% of reviews100.0% of reviews
Number of ratings10 — better4
Update frequencyEvery 3 weeks — betterMonthly
AdsNoNo
In-app purchasesYesNo — better
MonetizationFree with in-app purchasesFree — better
DevicesiPhoneiPhone, iPad, iPod — better
Requires iOS17.615.1 — better
Further details — not scored
Size1.6 GB33 MB
Age rating4+4+
DeveloperTokenshop LLCSABAR NIMMAGADDA

Customer experience

PolyChat

All ratings10 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews10 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

FairPay

All ratings4 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews4 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

3 purchases

PolyChat

Subscriptions3
  • PolyChat Pro - Weekly$1.997 Days
  • PolyChat Pro - Monthly$4.991 Month
  • PolyChat Pro - Yearly3 Days trial$49.991 Year
None

FairPay

No in-app purchases

Questions

Is PolyChat free?
PolyChat is free to download, with in-app purchases available.
Is FairPay free?
FairPay is free to download, with no in-app purchases.
Which has better reviews, PolyChat or FairPay?
PolyChat and FairPay are both rated 5.0 out of 5 on the App Store, from 10 and 4 ratings respectively.
Do PolyChat or FairPay have ads?
Neither PolyChat nor FairPay shows ads.
Which is updated more often, PolyChat or FairPay?
PolyChat ships an update every 3 weeks, and FairPay monthly. Most recently, PolyChat was updated on September 18, 2026 and FairPay on September 18, 2026.

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