# Ghostpay vs BillNip

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.

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.

## The numbers

| Metric | Ghostpay | BillNip |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [5.0 (4 ratings)](https://appshunter.io/ios/app/ghostpay-pay-later/id6757483452/reviews) | [5.0 (5 ratings)](https://appshunter.io/ios/app/billnip/id6759847551/reviews) |
| Number of ratings | 4 | **5** |
| Positive reviews | 100.0% of reviews | 100.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | **Every 2 weeks** |
| Monetization | Free | Free |
| Size | 91 MB | 46 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 17+ |
| Developer | [BRAYAN ISMAEL PEREZ BONILLA](https://appshunter.io/developer/1867196257) | [BillNip Corporation](https://appshunter.io/developer/1881170718) |

## What reviewers say

### Ghostpay

[App page](https://appshunter.io/ios/app/ghostpay-pay-later/id6757483452)

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:** macOS Compatibility, Apple Wallet, Vision Pro support

**In-app purchases:** none


### BillNip

[App page](https://appshunter.io/ios/app/billnip/id6759847551)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*