Comparison

SED Pay vs PayTogether

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

Head to head
About

SED Pay

Features
Read full description

SED PAY is a next-generation digital wallet built to simplify the way you send, receive, and manage money—anytime, anywhere. Designed for both personal and business use, SED PAY empowers individuals and entrepreneurs to transact with confidence through a fast, secure, and data-efficient wallet experience. With SED PAY, you can easily: ● Send and receive money instantly between SED PAY users. ● Add or withdraw funds through your bank account or mobile money. ● Pay bills, top up mobile credit, and make purchases within seconds. ● Track your transactions with detailed history and smart insights. ● Stay secure with advanced encryption, biometric login, and real-time fraud monitoring. ● Transact offline (coming soon): make wallet-to-wallet transfers even without internet access. ● Experience ultra-light data usage designed for users in regions with limited connectivity. SED PAY is built to empower financial freedom, combining speed, reliability, and transparency. Whether you’re paying family, running a business, or managing multiple accounts, SED PAY brings all your transactions into one seamless and trusted app. Key Highlights: ● Instant peer-to-peer transfers ● Multi-currency wallet support ● Offline transaction capability ● Data-efficient architecture for low-connectivity regions ● Encrypted security and 2-step verification ● 24/7 customer support ● Intuitive, modern interface with smart notifications Our Mission: SED PAY exists to connect communities, empower entrepreneurs, and make digital payments accessible to everyone — from the city to the countryside. Your Money, Your Freedom — SED PAY.

About

PayTogether

Effortlessly divide shared costs for trips, household bills, or dining out. Automatically extract items from receipts, calculate fair splits, and simplify settling up with smart transaction suggestions. Organize expenses by occasion and manage recurring payments with ease.

Highlights
  • Receipt scanning with item extraction
  • Flexible splitting options (equal, custom, percentage)
  • Smart settle-up to minimize transactions
  • Group creation for various occasions
  • Recurring expense management
  • Real-time cross-device sync
Features
Read full description

PayTogether makes splitting group expenses simple and fair. Whether you're dining out, sharing a vacation rental, or managing household costs, PayTogether handles the math so you don't have to. SCAN & SPLIT RECEIPTS Take a photo of any receipt and PayTogether extracts every line item automatically. Group members claim what they ordered, and splits are calculated down to the cent, including tax and tip. FLEXIBLE SPLITTING Split expenses equally, by custom amounts, or by percentage. PayTogether handles the rounding so every penny is accounted for. SMART SETTLE-UP See exactly who owes who at a glance. PayTogether minimizes the number of payments needed to settle the group, so everyone pays or gets paid in as few transactions as possible. GROUPS FOR EVERY OCCASION Create groups for trips, roommates, dinners, or recurring shared expenses. RECURRING EXPENSES Save your recurring expenses as favorites which can be created with a single tap - perfect for shared subscriptions, rent, or utilities. KEY FEATURES • Receipt scanning with automatic item extraction • Equal, custom, and percentage-based splits • Smart settle-up with minimal transactions • Guest access via shareable links • Recurring expense tracking • Category organization that grows with your spending • Real-time sync across all devices PayTogether Plus unlocks premium features including receipt scanning and detailed spending statistics. Terms of Use: https://paytogether.io/terms/ Privacy Policy: https://paytogether.io/privacy/

Screenshots

SED Pay4 screens
PayTogether4 screens

Verdict

The call

The clearest difference is in-app purchases: SED Pay at none against PayTogether's 2. PayTogether's advantage is update cadence (every 4 days vs every 5 months) and device support (3 vs 1). On price, ads and iOS requirement 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. PayTogether sells 2 in-app purchases, starting at $2.99 per month. SED Pay asks for nothing beyond the download.

UpkeepUpdate frequency

SED Pay ships an update every 5 months, PayTogether every 4 days. Both last shipped on October 28, 2026.

Scorecard3 real differences · 6 level
SED Pay versus PayTogether: the parameters behind the verdict, then further details
ParameterSED PayPayTogether
PriceFreeFree
Rating—5.0 (2 ratings) — better
Number of ratings—2 — better
Update frequencyEvery 5 monthsEvery 4 days — better
AdsNoNo
In-app purchasesNo — betterYes
Monetization—Freemium
DevicesiPhoneiPhone, iPad, iPod — better
Requires iOS16.015.0 — better
Further details — not scored
Size143 MB17 MB
Age rating4+4+
DeveloperSED Global Organisation LLCMajaLabs LLC

In-app purchases

None

SED Pay

No in-app purchases

2 purchases

PayTogether

Subscriptions2
  • PayTogether Plus$2.991 Month
  • PayTogether Plus$29.991 Year

Questions

Is SED Pay free?
SED Pay is free to download, with no in-app purchases.
Is PayTogether free?
PayTogether is free to download, with in-app purchases available.
Do SED Pay or PayTogether have ads?
Neither SED Pay nor PayTogether shows ads.
Which is updated more often, SED Pay or PayTogether?
SED Pay ships an update every 5 months, and PayTogether every 4 days. Most recently, SED Pay was updated on October 28, 2026 and PayTogether on October 28, 2026.

Other comparisons