Comparison

Paymate vs PactApp

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

Head to head
About

Paymate

Features
Read full description

¡Olvídate de las libretas de papel! Lleva el control total de tu dinero prestado con PayMate. ¿Prestas dinero a amigos, familiares o clientes y te cuesta llevar la cuenta? PayMate es la herramienta definitiva para gestionar tus préstamos personales de forma fácil, rápida y segura. Dile adiós a los malentendidos y a los olvidos. Con PayMate, tendrás un asistente financiero en tu bolsillo que te recordará quién te debe, cuánto y cuándo deben pagarte. Ideal para prestamistas independientes, pequeños comercios que fían mercancía o simplemente para organizar las finanzas entre amigos. Características Principales: Registro Fácil: Crea fichas de préstamos en segundos con nombre, monto y fecha. Cálculo de Intereses: (Opcional) Configura tasas de interés simple o compuesto si tu modelo lo requiere. Control de Pagos Parciales: Registra abonos y mira cómo disminuye la deuda automáticamente. Historial Detallado: Visualiza el estado de cada préstamo (Pagado, Pendiente, Vencido). Recordatorios: Nunca dejes pasar una fecha de cobro importante. Modo Oscuro: Diseño elegante y fácil de leer en cualquier momento. Organiza tu cartera, mejora tu flujo de caja y recupera tu dinero sin estrés. ¡Descarga PayMate hoy y toma el control de tus cobranzas!

About

PactApp

Features
Read full description

PactApp — The app that secures personal loans with legally binding digital contracts. Lending or borrowing money from someone you know? PactApp generates a legally compliant contract, electronically signed by both parties, with built-in repayment tracking. Compliant across 10 countries (FR, DE, ES, IT, PT, BE, LU, CH, UK, US). CREATE A CONTRACT IN 2 MINUTES • Enter amount, duration, interest rate (with usury rate verification) • Choose from templates adapted to your country and situation • Invite the borrower by email or link — they sign from their phone SECURE ELECTRONIC SIGNATURE • eIDAS-compliant signature (advanced level) • Optional KYC identity verification (ID document + selfie, 100% on-device) • PAdES-B/T certificate embedded in PDF • Qualified timestamping and SHA-256 audit trail REPAYMENT TRACKING • Payment schedule with automatic reminders • Payment confirmation by both parties • Dashboard with remaining balance and next payment • Complete exportable history LEGAL PROTECTION • Contracts compliant with local civil law in 10 countries • Automatic Cerfa 2062 generation for French tax declarations • Formal notice and registered electronic letter (AR24) • 3-level escalation (amicable, formal, pre-litigation) SECURITY & PRIVACY • Data hosted in France (EU-West-3 Paris) • End-to-end encryption • Full GDPR compliance • No data resale • Account deletion directly in-app REFERRAL Invite friends with your referral code and unlock up to 2 additional bonus contracts. PactApp replaces handwritten IOUs with a 100% digital, legal, and traceable process. Protect your relationships AND your money. — — — Terms of Use (EULA): https://pactapp.eu/legal/cgu Privacy Policy: https://pactapp.eu/legal/privacy

Screenshots

Paymate4 screens
PactApp4 screens

Verdict

The call

The clearest difference is in-app purchases: Paymate at none against PactApp's 4. Paymate also leads on ads (none vs shown) and update cadence (every 2 days vs weekly). On price, device support and iOS requirement 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. PactApp sells 4 in-app purchases, starting at $4.99 per month. Paymate asks for nothing beyond the download.

UpkeepUpdate frequency

Paymate ships an update every 2 days, PactApp weekly. The most recent releases landed on October 31, 2026 and October 25, 2026 respectively.

Scorecard3 real differences · 3 level
Paymate versus PactApp: the parameters behind the verdict, then further details
ParameterPaymatePactApp
PriceFreeFree
Update frequencyEvery 2 days — betterWeekly
AdsNo — betterYes
In-app purchasesNo — betterYes
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS15.1 — better15.5
Further details — not scored
Size33 MB115 MB
Age rating4+4+
DeveloperJose DelgadoRS Capital LLC

In-app purchases

None

Paymate

No in-app purchases

4 purchases

PactApp

Subscriptions4
  • Standard$4.991 Month
  • Pro$9.991 Month
  • Standard Annual$49.991 Year
Show 1 more
  • Pro Annual$89.991 Year

Questions

Is Paymate free?
Paymate is free to download, with no in-app purchases.
Is PactApp free?
PactApp is free to download, with in-app purchases available.
Do Paymate or PactApp have ads?
PactApp shows ads; Paymate does not.
Which is updated more often, Paymate or PactApp?
Paymate ships an update every 2 days, and PactApp weekly. Most recently, Paymate was updated on October 31, 2026 and PactApp on October 25, 2026.

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