# Synapto Payments vs Settld

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.

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.

## The numbers

| Metric | Synapto Payments | Settld |
| --- | --- | --- |
| Price | Free | Free |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 5 days** |
| Size | 62 MB | 41 MB |
| Requires iOS | **16.0** | 18.6 |
| Devices | iPhone | **iPhone, iPad, Apple Watch** |
| Age rating | 4+ | 4+ |
| Developer | [Synapto Ltd.](https://appshunter.io/developer/1812689924) | [Joe Moore](https://appshunter.io/developer/1877072009) |

## What reviewers say

### Synapto Payments

[App page](https://appshunter.io/ios/app/synapto-payments/id6745560775)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### Settld

[App page](https://appshunter.io/ios/app/settld-invoice-and-payments/id6759153990)

**Features:** macOS Compatibility, Apple Watch app, Vision Pro support

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Lifetime Premium | $9.99 | one-time |


## Frequently asked questions

### Is Synapto Payments free?

Synapto Payments is free to download, with no in-app purchases.

### Is Settld free?

Settld is free to download, with in-app purchases available.

### Do Synapto Payments or Settld have ads?

Neither Synapto Payments nor Settld shows ads.

### Which is updated more often, Synapto Payments or Settld?

Synapto Payments ships an update every 3 months, and Settld every 5 days. Most recently, Synapto Payments was updated on October 30, 2026 and Settld on October 31, 2026.

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