# PayBacks vs ProbePay

The clearest difference is rating: ProbePay at 5.0 against PayBacks's 3.0. ProbePay also leads on in-app purchases (none vs 2). PayBacks's advantage is iOS requirement (10.0 vs 13.0). On price, ratings volume, update cadence and ads there is nothing between them.

Both are free to download. PayBacks sells 2 one-off in-app purchases. ProbePay asks for nothing beyond the download.

ProbePay holds the better App Store score, 5.0 against 3.0. Both are backed by a comparable volume of ratings — 2 and 2 respectively.

PayBacks ships an update every 3 months, ProbePay every 2 months. The most recent releases landed on October 24, 2026 and October 22, 2026 respectively.

## The numbers

| Metric | PayBacks | ProbePay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.0 (2 ratings)](https://appshunter.io/ios/app/paybacks/id973145698/reviews) | **[5.0 (2 ratings)](https://appshunter.io/ios/app/probepay/id6443933127/reviews)** |
| Number of ratings | 2 | 2 |
| Positive reviews | 87.5% of reviews | — |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 2 months** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 51 MB | 63 MB |
| Requires iOS | **10.0** | 13.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Cristina Buga](https://appshunter.io/developer/973024381) | [PROBE EXCHANGE FINTECH UAB](https://appshunter.io/developer/1512384902) |

## What reviewers say

### PayBacks

[App page](https://appshunter.io/ios/app/paybacks/id973145698)

Easily track money lent and borrowed. Get reminders for due dates and mark payments as complete. Send friendly reminders to friends who owe you money.

**Highlights:** Track money lent and borrowed, Add payment details, Reminders for due dates, Mark payments as paid, Send friendly reminders, Siri integration

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Remove Ads | $1.99 | one-time |
| Unlimited Payments | $2.99 | one-time |


### ProbePay

[App page](https://appshunter.io/ios/app/probepay/id6443933127)

An AI-powered platform offering one-click services for RWA projects. It provides valuable business intelligence and investment suggestions for global private and alternative investments.

**Highlights:** AI-powered platform, One-click RWA project services, Business intelligence insights, Private investment support, Alternative investment suggestions

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is PayBacks free?

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

### Is ProbePay free?

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

### Which has better reviews, PayBacks or ProbePay?

ProbePay is rated higher. PayBacks averages 3.0 out of 5 from 2 ratings, while ProbePay averages 5.0 from 2 ratings.

### Do PayBacks or ProbePay have ads?

Neither PayBacks nor ProbePay shows ads.

### Which is updated more often, PayBacks or ProbePay?

PayBacks ships an update every 3 months, and ProbePay every 2 months. Most recently, PayBacks was updated on October 24, 2026 and ProbePay on October 22, 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.*