Comparison

Ghostpay vs BillNip

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

Head to head
About

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.

Highlights
  • Client installment payments
  • Artist upfront payouts
  • No percentage fees on services
  • Monthly subscription model
  • Local client promotion
  • Secure payment processing
Features
Read full description

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.

About

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.

Highlights
  • Split bills with spouse
  • Pay college student bills
  • Manage shared expenses
  • Direct payments to billers
  • Secure transaction tracking
  • Peer-to-biller payment network
Features
Read full description

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

Ghostpay4 screens
BillNip4 screens

Verdict

The call

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

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

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.

UpkeepUpdate frequency

Ghostpay ships an update monthly, BillNip every 2 weeks. The most recent releases landed on October 17, 2026 and October 12, 2026 respectively.

Scorecard1 real difference · 9 level
Ghostpay versus BillNip: the parameters behind the verdict, then further details
ParameterGhostpayBillNip
PriceFreeFree
Rating5.0 (4 ratings)5.0 (5 ratings)
Positive reviews100.0% of reviews100.0% of reviews
Number of ratings45 — better
Update frequencyMonthlyEvery 2 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS15.015.0
Further details — not scored
Size91 MB46 MB
Age rating4+17+
DeveloperBRAYAN ISMAEL PEREZ BONILLABillNip Corporation

Customer experience

Ghostpay

Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

BillNip

All ratings5 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews4 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

Ghostpay

No in-app purchases

None

BillNip

No in-app purchases

Questions

Is Ghostpay free?
Ghostpay is free to download, with no in-app purchases.
Is BillNip free?
BillNip is free to download, with no in-app purchases.
Which has better reviews, Ghostpay or BillNip?
Ghostpay and BillNip are both rated 5.0 out of 5 on the App Store, from 4 and 5 ratings respectively.
Do Ghostpay or BillNip have ads?
Neither Ghostpay nor BillNip shows ads.
Which is updated more often, Ghostpay or BillNip?
Ghostpay ships an update monthly, and BillNip every 2 weeks. Most recently, Ghostpay was updated on October 17, 2026 and BillNip on October 12, 2026.

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