Comparison

owed vs iPay

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

Head to head
About

owed

Easily track money lent and borrowed among friends and family. Manage multiple debts per person, add contacts directly, and set reminders. Send email or SMS notifications to ensure you get paid back.

Highlights
  • Track multiple debts per person
  • Use contacts to add people
  • Set notifications
  • Send email/SMS reminders
  • Update contact information
  • View transaction history
Features
Read full description

Version 2 is here! What is new in this version? In a nutshell, everything! Do you borrow money? Do you lend money to your friends? Maybe your family is on your mobile family plan ( you know that mobile plan that no one actually knows what they owe the plan owner each month). If one or all of these fits you, then you're going to love owed! Here is just a sample of some key features: • FREE to use and no sign-up requirement. Seriously who doesn't like free? This also means you should limit your list of demands on what the app needs to do. Remember, it's FREE. • Keep track of multiple entries for each person. If you're like me, you have that one friend (Carl) that is constantly borrowing something. Now you can keep tabs on Carl and what he owes you. • Use your contacts to create new people. Now it's super easy to add Carl's information to the owed app. (Thanks Apple Contacts) • Set Notifications. I promise this time they work! • Send email or SMS reminders. Email not your thing? No worries. Send that person a text message directly from the owed app! • 3D touch enabled Maybe you have it, maybe you don't. But if you do, good for you, as owed is now using 3D touch! • Update person's information. You know, like if Carl tries to change his legal name to Chuck. Well bad news, Chuck. Owed makes it really easy to update a contact's name. • View the history of your statements. If Chuck tries to argue that he didn't borrow more money on top of what he already owes you for lunch, now you can show him the exact day he borrowed money for that Happy Meal. If you like what you see, please rate the app! Thanks for checking out the app, we hope you enjoy it as much as we do!

About

iPay

Features
Read full description

Welcome to the iPay Collection Services app, a powerful tool designed specifically for registered collection agents operating in Curaçao and Sint Maarten. Our app streamlines the debt collection process, making it easier for agents to manage, follow up, and collect outstanding payments from third-party companies. Features: 1. Account Assignment: Easily receive assignments of outstanding invoices from third-party companies. 2. Debtor Information Access: View detailed contact information of assigned debtors. 3. Communication Tools: Use push messages, calls, and emails to contact debtors directly from the app. 4. Interaction Logging: Register details of each communication with debtors, including follow-up dates. 5. Automated Follow-up List: Automatically track and remind you of customers who need to be contacted based on scheduled follow-up dates. 6. Payment Registration: Record payments received from debtors, with debtor signature confirmation. 7. Admin Approval: Admin panel approval required for payment transactions to ensure accuracy and integrity. 8. Performance Monitoring: Admin panel allows monitoring of collection processes and auditing of agent performance. iPay Collection Services app ensures that collection agents can work efficiently and effectively, maintaining the highest standards of integrity and performance. This app is an essential tool for any registered agent tasked with collecting outstanding debts in Curaçao and Sint Maarten. Download the iPay Collection Services app today and take control of your debt collection process.

Screenshots

owed4 screens
iPay4 screens

Verdict

The call

The clearest difference is update cadence: owed at every 3 months against iPay's every 10 months. owed also leads on iOS requirement (12.4 vs 15.6). On price, ads, in-app purchases and device support 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. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

owed ships an update every 3 months, iPay every 10 months. The most recent releases landed on October 17, 2026 and October 6, 2026 respectively.

Scorecard2 real differences · 8 level
owed versus iPay: the parameters behind the verdict, then further details
ParameterowediPay
PriceFreeFree
Rating4.6 (52 ratings) — better—
Positive reviews68.9% of reviews—
Number of ratings52 — better—
Update frequencyEvery 3 months — betterEvery 10 months
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS12.4 — better15.6
Further details — not scored
Size2 MB39 MB
Age rating4+4+
DeveloperJosh GdovinImdadul Haque

In-app purchases

None

owed

No in-app purchases

None

iPay

No in-app purchases

Questions

Is owed free?
owed is free to download, with no in-app purchases.
Is iPay free?
iPay is free to download, with no in-app purchases.
Do owed or iPay have ads?
Neither owed nor iPay shows ads.
Which is updated more often, owed or iPay?
owed ships an update every 3 months, and iPay every 10 months. Most recently, owed was updated on October 17, 2026 and iPay on October 6, 2026.

Other comparisons