PayBack.pk vs HisabRakh

Turn every purchase into rewards with PayBack! PayBack is a digital loyalty and rewards wallet for customers at participating retail stores, cafés, restaurants, salons, and lifestyle brands. Track earned rewards, receive partner offers, and redeem benefits from your phone at participating locations. What you can do with PayBack Store and track rewards: View cashback rewards, vouchers, and loyalty benefits in one place, including expiry dates. Redeem at partner stores: Redeem rewards using in-store QR codes. Receive brand messages: Get updates from participating brands about offers, bundles, and loyalty programs. Gift rewards: Send selected offers or rewards to friends and family (availability depends on the brand). Access bundles and prepaid offers: Use bundles or prepaid offers provided by participating brands for future purchases. Manage your loyalty activity: View transaction history, reward balance, and usage records. How PayBack works Shop at a participating PayBack partner store Receive rewards in your PayBack wallet Use rewards at the same brand through QR redemption Track reward history and expiry in the app PayBack is a closed-loop rewards system. Rewards are issued by participating brands and can only be redeemed within those brands. Who can use PayBack PayBack is for customers who shop at partner stores and want one place to manage loyalty benefits and offers. Features and availability vary by brand and location. Important note PayBack is not a bank or payment service. Rewards are not cash and cannot be withdrawn; they can only be used within the PayBack partner network.

HisabRakh - Keep Your Accounts, Effortlessly. Hisab Rakh is the all-in-one personal and social finance app built for how people actually manage money — splitting rent with roommates, lending to a friend, saving for a trip together, and tracking daily spending. No spreadsheets. No awkward "you still owe me" conversations. Just clear, shared, accountable money management. Designed mobile-first for South Asia and built to work even when your connection doesn't, HisabRakh logs every transaction locally and syncs the moment you're back online. EFFORTLESS EXPENSE & INCOME TRACKING • Log an expense in under 3 seconds — amount, category, done • Pre-built and custom categories, plus cross-category tags • Track every income source for a complete cash-flow picture • Recurring expenses and income auto-logged for you SOCIAL FINANCE & BILL SPLITTING • Create groups for roommates, trips, households, or friend circles • Split shared expenses equally, by percentage, by shares, or custom amounts • Smart settlement suggestions minimize the number of payments needed • Real-time activity feed keeps everyone on the same page LOAN TRACKING (LENDING & BORROWING) • Track money you've lent or borrowed with running balances • Log partial payments and settle up with full transparency • Payment reminders for upcoming and overdue amounts • Built for informal lending the way it really works GOALS & SAVINGS • Set savings goals with targets and deadlines • Track progress with milestones and celebrations • Invite others to contribute toward shared goals BUDGETS & INSIGHTS • Set category budgets and get alerts at 75%, 90%, and 100% • Monthly summaries of income, expenses, savings, and loans • Spending trends, net-worth tracking, and exportable reports (Pro) BUILT-IN COMMUNICATION • Every loan, shared expense, and goal has its own discussion thread • Group chat keeps financial conversations in context • Automatic system updates when payments and expenses are added PRIVATE & SECURE • Biometric (fingerprint / Face ID) and PIN lock • Encrypted discussion threads • Granular control over what group members can see • Your data, your control — full export and account deletion anytime WORKS OFFLINE Log expenses on a flight, in a basement, or anywhere with no signal. Everything syncs automatically when you reconnect. FAIR, RESPECTFUL MONETIZATION The free tier is genuinely useful — supported only by small, clearly-labeled banner ads, never disruptive full-screen or pop-up ads. Every ad shows a one-tap "Remove ads" option. Want to try Pro? Watch one short opt-in video to unlock all Pro features free for 7 days — or subscribe to go completely ad-free. Download HisabRakh today and finally keep every rupee in hisab. — SUBSCRIPTION & LEGAL HisabRakh Pro is available as an auto-renewable subscription, billed monthly or yearly at the price shown in the app. Payment is charged to your account at confirmation of purchase. Your subscription renews automatically for the same period unless canceled at least 24 hours before the end of the current period; you can manage or cancel anytime in your account settings. Terms of Use (EULA): https://hisabrakh.com/terms Privacy Policy: https://hisabrakh.com/privacy