# QikPay vs PayDown

The clearest difference is ratings volume: QikPay at 5 against PayDown's 1. On price, rating, update cadence and ads there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

On the App Store both sit at effectively the same score — 5.0 for QikPay against 5.0 for PayDown. That said, the two scores are not equally well evidenced: QikPay has 5 ratings behind it against 1, so its average is the more settled of the two.

QikPay ships an update every 3 weeks, PayDown every 11 days. The most recent releases landed on October 30, 2026 and October 25, 2026 respectively.

## The numbers

| Metric | QikPay | PayDown |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [5.0 (5 ratings)](https://appshunter.io/ios/app/qikpay/id6752966867/reviews) | [5.0 (1 ratings)](https://appshunter.io/ios/app/paydown-bnpl-tracker/id6796058260/reviews) |
| Number of ratings | **5** | 1 |
| Positive reviews | 100.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Every 11 days** |
| Monetization | Free | Free |
| Size | 44 MB | 46 MB |
| Requires iOS | 16.4 | 16.4 |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [QikPay](https://appshunter.io/developer/1842000894) | [Andrew Carr](https://appshunter.io/developer/1822090504) |

## What reviewers say

### QikPay

[App page](https://appshunter.io/ios/app/qikpay/id6752966867)

This platform allows merchants to accept payments directly from customer bank accounts, eliminating transaction fees for both parties. Securely connect bank accounts via an open-banking partner for direct money transfers without cards or hidden charges.

**Highlights:** Accept payments without transaction fees, Direct bank account connections, Secure open-banking integration, Eliminate card processing costs, Customer and merchant bank linking

**In-app purchases:** none


### PayDown

[App page](https://appshunter.io/ios/app/paydown-bnpl-tracker/id6796058260)

Track all your buy now, pay later plans and other debts in one place. See your exact debt-free date and get personalized payoff strategies. It's designed for privacy with no bank logins or ads.

**Highlights:** Consolidated payment schedule, AI-powered statement parsing, Projected debt-free date, Debt payoff strategy comparison, Safe-to-spend calculation, Home screen widget

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

**In-app purchases:** none


## Frequently asked questions

### Is QikPay free?

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

### Is PayDown free?

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

### Which has better reviews, QikPay or PayDown?

QikPay and PayDown are both rated 5.0 out of 5 on the App Store, from 5 and 1 ratings respectively.

### Do QikPay or PayDown have ads?

Neither QikPay nor PayDown shows ads.

### Which is updated more often, QikPay or PayDown?

QikPay ships an update every 3 weeks, and PayDown every 11 days. Most recently, QikPay was updated on October 30, 2026 and PayDown on October 25, 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.*