# Payemm vs Zippy Pay

The clearest difference is review sentiment: Zippy Pay at 100% against Payemm's 50%. Zippy Pay also leads on rating (5.0 vs 3.7) and update cadence (weekly vs every 3 weeks). Payemm's advantage is device support (3 vs 1) and ratings volume (3 vs 1). On price, ads, in-app purchases and monetization model there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

Zippy Pay holds the better App Store score, 5.0 against 3.7. Both are backed by a comparable volume of ratings — 3 and 1 respectively. Written reviews point the same way: 50% of Payemm's written reviews are positive against 100% of Zippy Pay's.

Payemm ships an update every 3 weeks, Zippy Pay weekly. The most recent releases landed on October 6, 2026 and October 18, 2026 respectively.

## The numbers

| Metric | Payemm | Zippy Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.7 (3 ratings)](https://appshunter.io/ios/app/payemm/id6768655681/reviews) | **[5.0 (1 ratings)](https://appshunter.io/ios/app/zippy-pay/id6806799311/reviews)** |
| Number of ratings | **3** | 1 |
| Positive reviews | 50.0% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Weekly** |
| Monetization | Free | Free |
| Size | 92 MB | 82 MB |
| Requires iOS | **15.0** | 17.0 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 4+ | 12+ |
| Developer | [Payemm Limited](https://appshunter.io/developer/1690624747) | [BILLIONAIRE HOLDINGS, INC.](https://appshunter.io/developer/1741309117) |

## What reviewers say

### 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


### Zippy Pay

[App page](https://appshunter.io/ios/app/zippy-pay/id6806799311)

This app facilitates instant, secure, and transparent money transfers between users. It allows for quick payments, easy bill splitting, and seamless fund top-ups using various payment methods. All transactions are recorded and searchable for complete clarity.

**Highlights:** Instant peer-to-peer payments, QR code payments, Effortless bill splitting, Quick fund top-ups, Transparent transaction history, Verified and secure accounts, Recipient management

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Payemm free?

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

### Is Zippy Pay free?

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

### Which has better reviews, Payemm or Zippy Pay?

Zippy Pay is rated higher. Payemm averages 3.7 out of 5 from 3 ratings, while Zippy Pay averages 5.0 from 1 ratings.

### Do Payemm or Zippy Pay have ads?

Neither Payemm nor Zippy Pay shows ads.

### Which is updated more often, Payemm or Zippy Pay?

Payemm ships an update every 3 weeks, and Zippy Pay weekly. Most recently, Payemm was updated on October 6, 2026 and Zippy Pay on October 18, 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.*