Comparison

Pay with Sublime vs Billie

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Pay with Sublime

Manage and reduce your recurring bills with flexible weekly payment plans. Earn cash back on payments and let AI automatically find discounts and savings programs for you.

Highlights
  • Split bills into 4 weekly payments
  • Earn 5% cash back on payments
  • AI bill lowering and savings
  • Manage cell phone, internet, insurance, utilities, and more
  • Bank-level encryption for security
  • Clear pricing with no hidden fees
Features
Read full description

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.

About

Billie

Read full description

Stop doing math at the dinner table. Billie splits any bill in seconds, just snap a photo of the receipt and let AI handle the rest. No manual typing, no awkward "who had what," no calculators. WHY BILLIE? AI Receipt Scanner Point your camera at any receipt. Billie reads every item and price instantly, even messy or faded ones. Split It Your Way Assign exact quantities per person, split shared items evenly, or mix both. Someone had 2 tacos and you had 1? Billie handles that. Tax & Tip, Sorted Tax is distributed proportionally. Tips are calculated on each person's actual total, no more "just split it evenly" when you only had a salad. Birthday Mode Mark the birthday person and their share gets redistributed to everyone else automatically. Share the Breakdown Export a clean summary as an image or PDF. Drop it in the group chat, everyone sees exactly what they owe. Bill History Every bill is saved and searchable. Look back at past dinners, track group expenses, or reopen and edit old splits. Perfect for group dinners, roommate expenses, and travel with friends. Download Billie and never argue over a check again. Privacy Policy: https://getbillie.craft.me/privacy-and-terms Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

Pay with Sublime4 screens
Billie4 screens

Verdict

The call

The clearest difference is in-app purchases: Pay with Sublime at none against Billie's 2. On price, update cadence, ads and device support 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Billie sells 2 one-off in-app purchases. Pay with Sublime asks for nothing beyond the download.

UpkeepUpdate frequency

Pay with Sublime ships an update every 10 days, Billie every 6 days. The most recent releases landed on November 9, 2026 and November 5, 2026 respectively.

Scorecard1 real difference · 9 level
Pay with Sublime versus Billie: the parameters behind the verdict, then further details
ParameterPay with SublimeBillie
PriceFreeFree
Rating4.7 (237 ratings) — better—
Positive reviews78.9% of reviews—
Number of ratings237 — better—
Update frequencyEvery 10 daysEvery 6 days — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree—
DevicesiPhone, iPad — betteriPhone
Requires iOS18.517.6 — better
Further details — not scored
Size62 MB31 MB
Age rating17+4+
DeveloperSublime Payments CompanyJavier Andoni Gonzalez Vazquez

In-app purchases

None

Pay with Sublime

No in-app purchases

2 purchases

Billie

One-time2
  • Party Pass$0.99
  • Billie PRO - Lifetime$6.99

Questions

Is Pay with Sublime free?
Pay with Sublime is free to download, with no in-app purchases.
Is Billie free?
Billie is free to download, with in-app purchases available.
Do Pay with Sublime or Billie have ads?
Neither Pay with Sublime nor Billie shows ads.
Which is updated more often, Pay with Sublime or Billie?
Pay with Sublime ships an update every 10 days, and Billie every 6 days. Most recently, Pay with Sublime was updated on November 9, 2026 and Billie on November 5, 2026.

Other comparisons