# Repay vs CardFree Pay

The clearest difference is rating: CardFree Pay at 5.0 against Repay's 1.0. CardFree Pay also leads on in-app purchases (none vs 1) and update cadence (every 3 weeks vs every 6 weeks). On price, review sentiment, ads and device support there is nothing between them.

Both are free to download. Repay sells 1 in-app purchase, starting at $2.99 per year. CardFree Pay asks for nothing beyond the download.

CardFree Pay holds the better App Store score, 5.0 against 1.0. Both are backed by a comparable volume of ratings — 1 and 4 respectively. Written reviews split almost evenly too, at 100% and 100% positive.

Repay ships an update every 6 weeks, CardFree Pay every 3 weeks. The most recent releases landed on September 23, 2026 and June 10, 2026 respectively.

## The numbers

| Metric | Repay | CardFree Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [1.0 (1 ratings)](https://appshunter.io/ios/app/repay/id868063485/reviews) | **[5.0 (4 ratings)](https://appshunter.io/ios/app/cardfree-pay/id1549905406/reviews)** |
| Number of ratings | 1 | **4** |
| Positive reviews | 100.0% of reviews | 100.0% of reviews |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | Every 6 weeks | **Every 3 weeks** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 17 MB | 33 MB |
| Requires iOS | 13.0 | 13.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Oleg Bogumirskiy](https://appshunter.io/developer/638397891) | [CardFree Inc](https://appshunter.io/developer/876661638) |

## What reviewers say

### Repay

[App page](https://appshunter.io/ios/app/repay/id868063485)

This app helps manage shared expenses among friends for group trips, shared living, or parties. It provides a clear overview of who paid for what, calculates individual shares, and tracks who owes money to whom, simplifying financial arrangements.

**Highlights:** Track shared expenses, Calculate individual shares, Manage group finances, Create unlimited events (premium), Log transactions easily, View clear financial overview

**Features:** macOS Compatibility

**In-app purchases (1)**

| Purchase | Price | Billing |
| --- | --- | --- |
| One year premium subscription | $2.99 | per year |


### CardFree Pay

[App page](https://appshunter.io/ios/app/cardfree-pay/id1549905406)

This app allows merchants to quickly and securely accept mobile payments directly from their device. Customers can pay easily via text link using Apple Pay, Google Pay, or credit card without needing to download an app. It offers a hassle-free, contact-free payment solution for businesses.

**Highlights:** Accept mobile payments, Secure payment processing, Customer payment via text link, No customer app required, Contact-free payments, No POS integration needed

**In-app purchases:** none


## Frequently asked questions

### Is Repay free?

Repay is free to download, with in-app purchases available.

### Is CardFree Pay free?

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

### Which has better reviews, Repay or CardFree Pay?

CardFree Pay is rated higher. Repay averages 1.0 out of 5 from 1 ratings, while CardFree Pay averages 5.0 from 4 ratings.

### Do Repay or CardFree Pay have ads?

Neither Repay nor CardFree Pay shows ads.

### Which is updated more often, Repay or CardFree Pay?

Repay ships an update every 6 weeks, and CardFree Pay every 3 weeks. Most recently, Repay was updated on September 23, 2026 and CardFree Pay on June 10, 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.*