Paymate vs PactApp
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Paymate
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¡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!
PactApp
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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
Verdict
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
Both are free to download. PactApp sells 4 in-app purchases, starting at $4.99 per month. Paymate asks for nothing beyond the download.
Paymate ships an update every 2 days, PactApp weekly. The most recent releases landed on October 31, 2026 and October 25, 2026 respectively.
| Parameter | Paymate | PactApp |
|---|---|---|
| Price | Free | Free |
| Update frequency | Every 2 days — better | Weekly |
| Ads | No — better | Yes |
| In-app purchases | No — better | Yes |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 15.1 — better | 15.5 |
| Further details — not scored | ||
| Size | 33 MB | 115 MB |
| Age rating | 4+ | 4+ |
| Developer | Jose Delgado | RS Capital LLC |
In-app purchases
Paymate
No in-app purchases
PactApp
- Standard$4.991 Month
- Pro$9.991 Month
- Standard Annual$49.991 Year
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- Pro Annual$89.991 Year









