Synapto Payments vs Settld
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Synapto Payments
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Accept payments, send payment links, and see your sales in real-time - all from one easy-to-use app. Synapto puts financial clarity and control right in your pocket. Always Know Where You Stand At a glance, Synapto shows you exactly how your business is doing. View daily, weekly, monthly, or annual summaries of your income. No more guessing - just clear, actionable insights. Get Paid Faster, Easier - Instant Payment Links: Send secure links via email or text and get paid faster. - Accept Any Payment: Cards, digital wallets, multi-currency support, and more. - POS Integration: Easily track payments made in-store with your existing devices. - Refunds Simplified: Issue full or partial refunds directly from the app in seconds. Manage Your Customers, Not Just Payments Organize your clients with ease. Keep track of payment histories and quickly resend payment links, all from one simple interface. Boost Your Business Cash Flow Connect with strategic partners offering invoice financing and exclusive business resources designed to grow your business faster. Support at Your Fingertips Questions? Get quick, helpful answers from our responsive in-app support team during regular business hours. Why Choose Synapto? - All-in-One Simplicity: Payments, customer management, and insights in a single app. - Secure & Reliable: Bank-grade security, PCI compliant, and built to protect your transactions. - Designed Around You: Features built to save you hours every week - spend more time growing your business. Download Synapto Now - Streamline Your Payments Today.
Settld
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Create Stunning Invoices. Get Paid Faster - For Free.
 Settld is the beautifully designed invoicing app built for freelancers, contractors, and small business owners who want to look professional without the complexity - or the endless subscriptions.
 Settld is free to use! Send invoices as soon as you've set up your profile. For the full experience, unlock all customisation features for just a one-off payment of £9.99, including logo uploads, client imports, premium templates, and advanced tools like Tap to Pay for iPhone. Say goodbye to recurring fees and hello to affordable, hassle-free invoicing that scales with your business.
 What's New in Settld: * Tap to Pay on iPhone: Accept secure contactless payments directly on your phone - no extra hardware needed! * Automated Reminders: Never chase payments—Settld emails clients automatically for overdue invoices. * Product & Customer Management: Import clients and products via CSV; use Quick Select buttons to add items instantly. * Dashboard Insights: Track revenue trends, total invoiced, and paid amounts at a glance. * Apple Watch Support: Get real-time payment notifications on your wrist for on-the-go updates.
 Premium Templates 
 Choose from three curated designs - Minimalist, Modern, and Bold - that make your invoices stand out. Add your logo, brand colors, and personalized payment details to create a polished look that reflects your style.
 Get Paid in One Tap (or Tap to Pay!) Embed Stripe or PayPal links for instant online payments, or use Tap to Pay for in-person contactless transactions. Track payments automatically and monitor statuses in real time!
 Track Everything 
 See which invoices are paid, pending, or overdue at a glance. Monitor monthly revenue trends from your intuitive dashboard to stay on top of your cash flow.
 Send Professionally 
 Email invoices directly from the app with your business name in the "From" header and custom branding. Every communication matches your invoice style for a seamless, professional experience.
 Works Everywhere 
 Create invoices on the go - your data syncs securely across all your devices. Import existing clients via CSV to get started in minutes and keep your workflow uninterrupted.
 More Features: * Estimates and quotes that convert seamlessly to invoices * Automatic invoice numbering for organised records * Tax calculations (VAT, GST, custom rates) built in * PDF export and easy sharing options * Push notifications for payment updates * Face ID and biometric security to protect your data * Sign in with Apple for quick, secure access
 Free to start. Upgrade once for £9.99 to unlock unlimited invoices, all templates, client/product imports, and advanced features like Tap to Pay. 

Download Settld today and start getting paid faster - without the subscription trap.
 https://settldinvoice.com/privacy https://settldinvoice.com/terms
Screenshots
Verdict
The clearest difference is in-app purchases: Synapto Payments at none against Settld's 1. Synapto Payments also leads on iOS requirement (16.0 vs 18.6). Settld's advantage is update cadence (every 5 days vs every 3 months) and device support (3 vs 1). On price and ads 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
Both are free to download. Settld sells 1 one-off in-app purchase. Synapto Payments asks for nothing beyond the download.
Synapto Payments ships an update every 3 months, Settld every 5 days. The most recent releases landed on October 30, 2026 and October 31, 2026 respectively.
| Parameter | Synapto Payments | Settld |
|---|---|---|
| Price | Free | Free |
| Update frequency | Every 3 months | Every 5 days — better |
| Ads | No | No |
| In-app purchases | No — better | Yes |
| Devices | iPhone | iPhone, iPad, Apple Watch — better |
| Requires iOS | 16.0 — better | 18.6 |
| Further details — not scored | ||
| Size | 62 MB | 41 MB |
| Age rating | 4+ | 4+ |
| Developer | Synapto Ltd. | Joe Moore |
In-app purchases
Synapto Payments
No in-app purchases
Settld
- Lifetime Premium$9.99
Questions
Is Synapto Payments free?
Is Settld free?
Do Synapto Payments or Settld have ads?
Which is updated more often, Synapto Payments or Settld?
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