Ghostpay vs Payemm
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.
Payemm
Manage everyday spending, from groceries to online shopping, by splitting costs into four easy fortnightly payments. Earn rewards and cashback for making payments on time or early, building better financial habits.
- Split payments into 4 fortnightly installments
- Manage groceries, top-ups, and online shopping
- Earn rewards and cashback for timely payments
- Unlock benefits and bigger opportunities
- Transparent payment schedules and terms
- Secure transactions
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SHOP SMART. PAY OVER TIME. EARN BIG. Payemm is a Jamaican E-commerce app that helps you manage groceries, top-up, online shopping, gift cards, and everyday spending in 4 easy fortnightly payments. But Payemm is more than just flexible payments. Payemm rewards consistency. Make your payments EARLY or ON TIME and unlock rewards, cashback, benefits, and bigger opportunities over time. BUILT FOR HOW JAMAICANS REALLY SPEND Use Payemm for: • Groceries • Digicel top-up • Flow top-up • Amazon gift cards • Netflix • Restaurants • Fontana • Online shopping • 200+ local & international services Everything happens directly inside the app. No complicated transfers. No confusing systems. Simple structured payments designed for real life. HOW PAYEMM WORKS • Create your account • Verify your identity • Choose what you want to pay for • Split your total into 4 easy fortnightly payments You’ll always see: • your payment schedule • your due dates • your total cost before confirming. PAYEMM REWARDS CONSISTENCY Every payment you make to Payemm can help unlock more value through PayBucks rewards. The more consistent you are, the more rewards you can unlock. • Make payments EARLY or ON TIME • Build streaks and stay on track • Unlock bigger rewards over time Rewards may include: • Digicel top-ups • Flow top-ups • Local gift cards • International gift cards • Cashback • Exclusive offers and promotions KEEP YOUR STREAK ALIVE Consistency matters. Users who maintain early and on-time payment streaks may qualify for: • bigger rewards • special promotions • enhanced benefits • stronger account performance over time Late payments may affect reward eligibility and reset active streak progress. BUILT TO SUPPORT BETTER FINANCIAL HABITS Payemm encourages structured spending and responsible payment behaviour. Using Payemm responsibly and staying on track with scheduled payments may help support your financial progress over time. SIMPLE. CLEAR. TRANSPARENT. • Clear payment schedules • Transparent terms • Secure transactions • No hidden surprises Know exactly what you owe and when. DOWNLOAD PAYEMM TODAY Start shopping smarter, staying on track, and earning rewards for consistency. Spend, Pay, Earn, Repeat Visit payemm.com or connect with us: Instagram: @payemmjamaica Threads: @payemmjamaica TikTok: @payemmjamaica YouTube: @payemmjamaica
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Verdict
The clearest difference is review sentiment: Ghostpay at 100% against Payemm's 50%. Ghostpay also leads on rating (5.0 vs 3.7). On price, ratings volume, update cadence 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Ghostpay holds the better App Store score, 5.0 against 3.7. Both are backed by a comparable volume of ratings — 4 and 3 respectively. Written reviews point the same way: 100% of Ghostpay's written reviews are positive against 50% of Payemm's.
Ghostpay ships an update monthly, Payemm every 3 weeks. The most recent releases landed on October 1, 2026 and October 6, 2026 respectively.
| Parameter | Ghostpay | Payemm |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (4 ratings) — better | 3.7 (3 ratings) |
| Positive reviews | 100.0% of reviews — better | 50.0% of reviews |
| Number of ratings | 4 — better | 3 |
| Update frequency | Monthly | Every 3 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 | 92 MB |
| Age rating | 4+ | 4+ |
| Developer | BRAYAN ISMAEL PEREZ BONILLA | Payemm Limited |
Customer experience
Ghostpay
Payemm
In-app purchases
Ghostpay
No in-app purchases
Payemm
No in-app purchases
