Pay with Sublime vs Ghostpay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Pay with Sublime
This app helps you lower your bills by splitting payments and earning cash back. It automatically finds savings, negotiates on your behalf, and tracks your subscriptions. Take control of your finances and reduce expenses without direct customer service calls.
- Split bills into smaller payments
- Earn 5% cash back on timely payments
- Automatic bill negotiation
- Finds hidden savings
- Subscription tracking and management
- Due date alerts
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Pay your bills over time — then lower them. Sublime is the smartest way to manage the bills you already pay and save. Split bills into easy weekly payments, earn cash back, and let AI bring your bills down in the background. SPLIT ANY BILL INTO 4 WEEKLY PAYMENTS Stop juggling between due dates and payday. Sublime pays your bills, and you pay back over time on your schedule. A $400 bill becomes four $100 weeks — no late fees, no surprises, no overdrafts. EARN 5% CASH BACK WHEN YOU PAY OVER TIME The more bills you run through Sublime, the more you earn back. Get paid, to pay your bills. AI THAT LOWERS YOUR BILLS AUTOMATICALLY Sublime scans your accounts to find where you're overpaying, then applies discounts, promotions, and savings programs you qualify for. You don't haggle, call customer service, or compare quotes — Sublime does it for you. WORKS ON THE BILLS YOU ALREADY PAY Cell phone and internet Auto and home insurance Electricity, gas, and water Childcare and daycare Streaming and subscriptions BUILT FOR YOUR PEACE OF MIND Bank-level encryption. Clear pricing. No hidden fees. You're always in control of what gets paid and when. Download Sublime and start paying less for the bills you can't avoid.
Ghostpay
This platform enables service professionals to offer clients flexible installment payments for services. Artists receive full payment upfront, while clients can pay over time. It aims to increase bookings and revenue for service providers.
- Client installment payments
- Artist upfront payouts
- No percentage fees on services
- Monthly subscription model
- Local client promotion
- Secure payment processing
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GhostPay is a modern payment platform designed for service-based professionals. It allows clients to pay for services in flexible installments while artists receive full payment upfront. Whether you’re a tattoo artist, barber, nail technician, or any service provider, GhostPay helps you increase bookings, boost revenue, and attract more clients. Unlike traditional payment platforms, GhostPay does not take a percentage from your services. Artists keep 100% of what they earn and only pay a simple monthly subscription. Clients benefit from flexible payment options, while artists enjoy instant payouts and business growth. Key Features: • Pay Later (installments for services) • Instant payouts for artists • No percentage fees taken from services • Monthly subscription model • Local promotion to attract new clients • Easy-to-use dashboard and tracking • Secure payment processing GhostPay is built to help service professionals grow, earn more, and simplify payments.
Screenshots
Verdict
The clearest difference is rating: Ghostpay at 5.0 against Pay with Sublime's 4.7. Ghostpay also leads on review sentiment (100% vs 86%) and iOS requirement (15.0 vs 18.5). Pay with Sublime's advantage is ratings volume (157 vs 4) and update cadence (every 9 days vs monthly). On price, ads, in-app purchases and monetization model 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. Neither carries in-app purchases, so what you see is what you pay.
Ghostpay holds the better App Store score, 5.0 against 4.7. That said, the two scores are not equally well evidenced: Pay with Sublime has 157 ratings behind it against 4, so its average is the more settled of the two. Written reviews point the same way: 86% of Pay with Sublime's written reviews are positive against 100% of Ghostpay's.
Pay with Sublime ships an update every 9 days, Ghostpay monthly. Both last shipped on October 17, 2026.
| Parameter | Pay with Sublime | Ghostpay |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (157 ratings) | 5.0 (4 ratings) — better |
| Positive reviews | 85.7% of reviews | 100.0% of reviews — better |
| Number of ratings | 157 — better | 4 |
| Update frequency | Every 9 days — better | Monthly |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad | iPhone, iPod |
| Requires iOS | 18.5 | 15.0 — better |
| Further details — not scored | ||
| Size | 61 MB | 91 MB |
| Age rating | 17+ | 4+ |
| Developer | Sublime Payments Company | BRAYAN ISMAEL PEREZ BONILLA |
Customer experience
Pay with Sublime
Ghostpay
In-app purchases
Pay with Sublime
No in-app purchases
Ghostpay
No in-app purchases
