Comparison

SettlePay vs Owed

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

Head to head
About

SettlePay

Discover and track unclaimed money from class action settlements. Easily find opportunities you're owed, monitor claim status, and receive notifications for new settlements and payments. Many claims require no proof of purchase.

Highlights
  • Browse active settlements
  • Filter by category
  • Track claim status
  • Smart notifications
  • Earnings dashboard
  • Claims requiring no proof
Read full description

Discover class action settlements you may qualify for and track your potential payouts. Every year, billions of dollars in settlement money goes unclaimed. SettlePay helps you find and claim your share—from tech giants to retailers, banks to airlines. KEY FEATURES: • Browse Active Settlements Explore hundreds of open class action settlements. Filter by category, view claim deadlines, and see estimated payouts at a glance. • Track Your Claims Mark settlements you've filed and monitor their payment status. Know exactly how much you're owed and when to expect it. • Smart Notifications Get alerted when new settlements match your interests. Never miss a deadline with timely expiration reminders, payout hearing updates, and payment notifications. • Earnings Dashboard View your total potential earnings and track every payment received. Watch your claimed money grow. • No Proof? No Problem Many settlements don't require receipts or proof of purchase. We highlight the easiest claims to file. PREMIUM FEATURES: Upgrade to SettlePay Premium for unlimited settlement tracking and priority alerts. HOW IT WORKS: Browse settlements from major companies Check eligibility (many require no proof!) File your claim directly with the settlement administrator Track your claim status in the app Get paid SettlePay aggregates publicly available settlement information to help you discover money you're owed. We don't file claims on your behalf—we simply make it easy to find opportunities you'd otherwise miss. Start claiming what's yours today. Terms of Service: https://settle-pay.vercel.app/terms Privacy Policy: https://settle-pay.vercel.app/privacy

About

Owed

Discover unclaimed money from class-action settlements you may be eligible for. This app provides links to official claim forms and deadlines, ensuring you don't miss out on potential payouts. It focuses on surfacing public settlement information without filing claims for you or accessing your financial accounts.

Highlights
  • Find active class-action settlements
  • Match eligibility criteria
  • View payout ranges and deadlines
  • Link to official claim forms
  • Receive deadline reminders
  • Optional premium features for alerts and multi-state matching
Features
Read full description

$35B+ a year goes unclaimed. Class-action settlements happen when companies wrong their customers — a data breach, a privacy case, a billing practice the courts ordered them to pay for. The payout is real, but most people never hear about it, or never file in time. The money goes back to the company. Owed is the honest way to find the settlements you might match. HOW IT WORKS - Tell Owed your state and a few brands you've used in the last few years. - Owed shows you the active settlements where you may match the eligibility criteria. - Tap any settlement to see the criteria, the payout range, and the deadline. - Ready to file? Owed links you straight to the official settlement administrator's claim form. You file there, on their site. Owed is never in the payment path. WHAT OWED DOES NOT DO - We don't file claims for you, and we never see what you submit. - We don't connect to your financial accounts. Owed runs on the few details you give it — nothing more. - We don't tell you that you qualify. Every match is framed honestly: "you may match these criteria — verify on the administrator's site." - We don't take a cut. The settlement administrator pays you directly. WHY OWED IS FREE The core experience — finding settlements, matching, official claim links, and deadline reminders — is free, forever. No ads. No catch. OWED+ (OPTIONAL) For people who want Owed to do the watching for them, Owed+ adds brand alerts, multi-state matching, a 30-day look-ahead, and earlier deadline reminders. $2.99/month or $19.99/year, with a 7-day free trial. Cancel anytime in your subscription settings, in two taps. Owed+ never gates the free core — it's a convenience layer, not a wall. REAL SETTLEMENTS. REAL DEADLINES. REAL CLAIM FORMS. Owed surfaces public settlement information and cross-verifies it against court records. No inflated "you're owed $1,247!" estimates — just honest ranges and the real form. Part of the Bramley family of honest personal-finance apps. Owed is not a law firm and does not provide legal advice. Owed surfaces public settlement information; you verify your eligibility and file on the administrator's official site. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

SettlePay3 screens
Owed4 screens

Verdict

The call

The clearest difference is update cadence: SettlePay at weekly against Owed's every 2 months. On price, rating, ratings volume and ads 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. SettlePay sells 2 in-app purchases, starting at $9.99 per month and Owed sells 2 in-app purchases, starting at $2.99 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 3.0 for SettlePay against 3.0 for Owed. Both are backed by a comparable volume of ratings — 2 and 4 respectively.

UpkeepUpdate frequency

SettlePay ships an update weekly, Owed every 2 months. Both last shipped on October 24, 2026.

Scorecard1 real difference · 9 level
SettlePay versus Owed: the parameters behind the verdict, then further details
ParameterSettlePayOwed
PriceFreeFree
Rating3.0 (2 ratings)3.0 (4 ratings)
Positive reviews—0.0% of reviews
Number of ratings24 — better
Update frequencyWeekly — betterEvery 2 months
AdsNoNo
In-app purchasesYesYes
MonetizationFreemiumFreemium
DevicesiPhone, iPod — betteriPhone
Requires iOS15.1 — better16.0
Further details — not scored
Size29 MB49 MB
Age rating4+4+
DeveloperZUBAIR HABIBIFuqiang UG (haftungsbeschrankt)

Customer experience

SettlePay

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

Owed

All ratings2 ratings
Positive0.0%
Neutral50.0%
Negative50.0%
Written reviews1 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

In-app purchases

2 purchases

SettlePay

Subscriptions2
  • Premium Monthly$9.991 Month
  • Premium Annual$39.991 Year
2 purchases

Owed

Subscriptions2
  • Owed+ Monthly7 Days trial$2.991 Month
  • Owed+ Annual7 Days trial$19.991 Year

Questions

Is SettlePay free?
SettlePay is free to download, with in-app purchases available.
Is Owed free?
Owed is free to download, with in-app purchases available.
Which has better reviews, SettlePay or Owed?
SettlePay and Owed are both rated 3.0 out of 5 on the App Store, from 2 and 4 ratings respectively.
Do SettlePay or Owed have ads?
Neither SettlePay nor Owed shows ads.
Which is updated more often, SettlePay or Owed?
SettlePay ships an update weekly, and Owed every 2 months. Most recently, SettlePay was updated on October 24, 2026 and Owed on October 24, 2026.

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