# Ghostpay vs Payemm

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.

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.

## The numbers

| Metric | Ghostpay | Payemm |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (4 ratings)](https://appshunter.io/ios/app/ghostpay-pay-later/id6757483452/reviews)** | [3.7 (3 ratings)](https://appshunter.io/ios/app/payemm/id6768655681/reviews) |
| Number of ratings | **4** | 3 |
| Positive reviews | **100.0% of reviews** | 50.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | **Every 3 weeks** |
| Monetization | Free | Free |
| Size | 91 MB | 92 MB |
| Requires iOS | 15.0 | 15.0 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [BRAYAN ISMAEL PEREZ BONILLA](https://appshunter.io/developer/1867196257) | [Payemm Limited](https://appshunter.io/developer/1690624747) |

## 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


### Payemm

[App page](https://appshunter.io/ios/app/payemm/id6768655681)

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.

**Highlights:** 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

**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 Payemm free?

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

### Which has better reviews, Ghostpay or Payemm?

Ghostpay is rated higher. Ghostpay averages 5.0 out of 5 from 4 ratings, while Payemm averages 3.7 from 3 ratings.

### Do Ghostpay or Payemm have ads?

Neither Ghostpay nor Payemm shows ads.

### Which is updated more often, Ghostpay or Payemm?

Ghostpay ships an update monthly, and Payemm every 3 weeks. Most recently, Ghostpay was updated on October 1, 2026 and Payemm on October 6, 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.*