# PolyChat vs FairPay

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.

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.

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.

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

## The numbers

| Metric | PolyChat | FairPay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [5.0 (10 ratings)](https://appshunter.io/ios/app/polychat-offline-ai-chat/id6745079682/reviews) | [5.0 (4 ratings)](https://appshunter.io/ios/app/fairpay-scan-and-split/id6761960918/reviews) |
| Number of ratings | **10** | 4 |
| Positive reviews | 100.0% of reviews | 100.0% of reviews |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Monthly |
| Monetization | Free with in-app purchases | **Free** |
| Size | 1.6 GB | 33 MB |
| Requires iOS | 17.6 | **15.1** |
| Devices | iPhone | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Tokenshop LLC](https://appshunter.io/developer/1802545354) | [SABAR NIMMAGADDA](https://appshunter.io/developer/1892219228) |

## What reviewers say

### PolyChat

[App page](https://appshunter.io/ios/app/polychat-offline-ai-chat/id6745079682)

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

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| PolyChat Pro - Weekly | $1.99 | per 7 days |
| PolyChat Pro - Monthly | $4.99 | per month |
| PolyChat Pro - Yearly | $49.99 | per year |


### FairPay

[App page](https://appshunter.io/ios/app/fairpay-scan-and-split/id6761960918)

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:** Vision Pro support

**In-app purchases:** none


## Frequently asked 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.

---

*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*