# Payitly vs Valu Jo

The clearest difference is in-app purchases: Valu Jo at none against Payitly's 2. On price, update cadence, ads and device support there is nothing between them.

Both are free to download. Payitly sells 2 in-app purchases, starting at $2.99 per month. Valu Jo asks for nothing beyond the download.

Payitly ships an update every 2 weeks, Valu Jo fortnightly. The most recent releases landed on October 11, 2026 and October 28, 2026 respectively.

## The numbers

| Metric | Payitly | Valu Jo |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[4.3 (4 ratings)](https://appshunter.io/ios/app/valu-jo/id6761329552/reviews)** |
| Number of ratings | — | **4** |
| Positive reviews | — | 0.0% of reviews |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | **Every 2 weeks** | Fortnightly |
| Monetization | — | Free |
| Size | 60 MB | 138 MB |
| Requires iOS | **15.1** | 15.6 |
| Devices | **iPhone, iPad, iPod, Apple Watch** | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Polcern Sp. z o.o.](https://appshunter.io/developer/1855820442) | [Valu for Payments and Technical Solutions S.A.E.](https://appshunter.io/developer/1536147386) |

## What reviewers say

### Payitly

[App page](https://appshunter.io/ios/app/payitly-subscriptions-and-bills/id6757227473)

**Features:** macOS Compatibility, Apple Watch app, Vision Pro support

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Payitly Monthly Pro Membership | $2.99 | per month |
| Payitly Yearly Pro Membership | $12.99 | per year |


### Valu Jo

[App page](https://appshunter.io/ios/app/valu-jo/id6761329552)

This app provides a Buy Now, Pay Later service, allowing users to shop from a network of merchants and split purchases into flexible payment plans. It offers a fully digital experience for managing payments and accessing funds for everyday essentials and larger purchases.

**Highlights:** Buy Now, Pay Later (BNPL), Flexible payment plans, Shop across a wide merchant network, Fully digital experience, Manage payments in one place, Access funds for purchases

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

**In-app purchases:** none


## Frequently asked questions

### Is Payitly free?

Payitly is free to download, with in-app purchases available.

### Is Valu Jo free?

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

### Do Payitly or Valu Jo have ads?

Neither Payitly nor Valu Jo shows ads.

### Which is updated more often, Payitly or Valu Jo?

Payitly ships an update every 2 weeks, and Valu Jo fortnightly. Most recently, Payitly was updated on October 11, 2026 and Valu Jo on October 28, 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.*