Ghostpay vs BillNip
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Ghostpay
This platform enables service professionals to offer clients flexible installment payments for services. Artists receive full payment upfront, while clients can pay over time. It aims to increase bookings and revenue for service providers.
- Client installment payments
- Artist upfront payouts
- No percentage fees on services
- Monthly subscription model
- Local client promotion
- Secure payment processing
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GhostPay is a modern payment platform designed for service-based professionals. It allows clients to pay for services in flexible installments while artists receive full payment upfront. Whether you’re a tattoo artist, barber, nail technician, or any service provider, GhostPay helps you increase bookings, boost revenue, and attract more clients. Unlike traditional payment platforms, GhostPay does not take a percentage from your services. Artists keep 100% of what they earn and only pay a simple monthly subscription. Clients benefit from flexible payment options, while artists enjoy instant payouts and business growth. Key Features: • Pay Later (installments for services) • Instant payouts for artists • No percentage fees taken from services • Monthly subscription model • Local promotion to attract new clients • Easy-to-use dashboard and tracking • Secure payment processing GhostPay is built to help service professionals grow, earn more, and simplify payments.
BillNip
Easily manage shared expenses and pay bills for others. This app facilitates direct payments to billers without sharing sensitive financial information, tracking every transaction clearly. It's designed for real-life scenarios like splitting bills with a spouse or helping a college student.
- Split bills with spouse
- Pay college student bills
- Manage shared expenses
- Direct payments to billers
- Secure transaction tracking
- Peer-to-biller payment network
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Splitting bills with your spouse just got easier. Paying a bill for your college student is simple. Managing shared expenses like family cell phone plans is finally built for real life. BillNip is the first peer-to-biller payment network designed to make it easy to pay anyone’s bill. BillNip routes payments directly to billers, so funds go exactly where they are intended. No sensitive financial information needs to be shared between users, and every transaction is clearly tracked inside the app. Whether you are helping someone stay current or managing shared expenses, BillNip provides a more direct way to handle bill payments.
Screenshots
Verdict
The clearest difference is update cadence: BillNip at every 2 weeks against Ghostpay's monthly. On price, rating, review sentiment and ratings volume 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
On the App Store both sit at effectively the same score — 5.0 for Ghostpay against 5.0 for BillNip. Both are backed by a comparable volume of ratings — 4 and 5 respectively. Written reviews split almost evenly too, at 100% and 100% positive.
Ghostpay ships an update monthly, BillNip every 2 weeks. The most recent releases landed on October 17, 2026 and October 12, 2026 respectively.
| Parameter | Ghostpay | BillNip |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (4 ratings) | 5.0 (5 ratings) |
| Positive reviews | 100.0% of reviews | 100.0% of reviews |
| Number of ratings | 4 | 5 — better |
| Update frequency | Monthly | Every 2 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 15.0 | 15.0 |
| Further details — not scored | ||
| Size | 91 MB | 46 MB |
| Age rating | 4+ | 17+ |
| Developer | BRAYAN ISMAEL PEREZ BONILLA | BillNip Corporation |
Customer experience
Ghostpay
BillNip
In-app purchases
Ghostpay
No in-app purchases
BillNip
No in-app purchases









