# Pay with Sublime vs Settld.

The clearest difference is review sentiment: Pay with Sublime at 86% against Settld.'s 50%. Pay with Sublime also leads on ratings volume (157 vs 1). Settld.'s advantage is rating (5.0 vs 4.7) and iOS requirement (15.1 vs 18.5). On price, update cadence, ads and in-app purchases there is nothing between them.

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

Settld. 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 1, so its average is the more settled of the two. Written reviews complicate that: 86% of Pay with Sublime's written reviews are positive against 50% of Settld.'s, so the app with the better star average is not the one people write more warmly about.

Both ship on a similar rhythm, roughly every 9 days. The most recent releases landed on October 17, 2026 and October 8, 2026 respectively.

## The numbers

| Metric | Pay with Sublime | Settld. |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.7 (157 ratings)](https://appshunter.io/ios/app/pay-with-sublime/id6753262106/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/settld/id6762236160/reviews)** |
| Number of ratings | **157** | 1 |
| Positive reviews | **85.7% of reviews** | 50.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 9 days | Every 9 days |
| Monetization | Free | Free |
| Size | 61 MB | 53 MB |
| Requires iOS | 18.5 | **15.1** |
| Devices | iPhone, iPad | **iPhone, iPad, iPod** |
| Age rating | 17+ | 4+ |
| Developer | [Sublime Payments Company](https://appshunter.io/developer/1843249098) | [CulinAI, LLC](https://appshunter.io/developer/1890934992) |

## What reviewers say

### Pay with Sublime

[App page](https://appshunter.io/ios/app/pay-with-sublime/id6753262106)

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.

**Highlights:** 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

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

**In-app purchases:** none


### Settld.

[App page](https://appshunter.io/ios/app/settld/id6762236160)

Effortlessly divide expenses for any group activity, from dinners to rent. Track who owes what in real-time and send quick payment requests to settle up fast. Avoid awkward group chats and spreadsheets with a simple, stress-free design.

**Highlights:** Split receipts and bills, Assign items to specific people, Track balances in real-time, Send payment requests, Mark cash payments, Clean dashboard for active bills

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

**In-app purchases:** none


## Frequently asked questions

### Is Pay with Sublime free?

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

### Is Settld. free?

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

### Which has better reviews, Pay with Sublime or Settld.?

Settld. is rated higher. Pay with Sublime averages 4.7 out of 5 from 157 ratings, while Settld. averages 5.0 from 1 ratings.

### Do Pay with Sublime or Settld. have ads?

Neither Pay with Sublime nor Settld. shows ads.

### Which is updated more often, Pay with Sublime or Settld.?

Pay with Sublime ships an update every 9 days, and Settld. every 9 days. Most recently, Pay with Sublime was updated on October 17, 2026 and Settld. on October 8, 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.*