# PayBacks vs Mooch

The clearest difference is rating: Mooch at 4.8 against PayBacks's 3.0. Mooch also leads on in-app purchases (none vs 2) and update cadence (every 3 weeks vs every 3 months). PayBacks's advantage is iOS requirement (10.0 vs 15.0). On price, review sentiment, ads and device support there is nothing between them.

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

Mooch holds the better App Store score, 4.8 against 3.0. That said, the two scores are not equally well evidenced: Mooch has 18 ratings behind it against 2, so its average is the more settled of the two. Written reviews point the same way: 88% of PayBacks's written reviews are positive against 89% of Mooch's.

PayBacks ships an update every 3 months, Mooch every 3 weeks. Both last shipped on October 24, 2026.

## The numbers

| Metric | PayBacks | Mooch |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.0 (2 ratings)](https://appshunter.io/ios/app/paybacks/id973145698/reviews) | **[4.8 (18 ratings)](https://appshunter.io/ios/app/mooch-lend-borrow-and-track/id6469733215/reviews)** |
| Number of ratings | 2 | **18** |
| Positive reviews | 87.5% of reviews | **88.9% of reviews** |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 3 weeks** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 51 MB | 63 MB |
| Requires iOS | **10.0** | 15.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 12+ |
| Developer | [Cristina Buga](https://appshunter.io/developer/973024381) | [silvaco llc](https://appshunter.io/developer/1325265752) |

## 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 |


### Mooch

[App page](https://appshunter.io/ios/app/mooch-lend-borrow-and-track/id6469733215)

Easily manage shared items among friends and neighbors. Catalog belongings with photos or barcode scans, track who borrows what, and get notified upon return. Save money, build community, and reduce waste by borrowing instead of buying.

**Highlights:** Virtual item inventory, Photo and barcode scanning, Borrowing and return tracking, Community building, Money saving, Environmental benefits

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

**In-app purchases:** none


## Frequently asked questions

### Is PayBacks free?

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

### Is Mooch free?

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

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

Mooch is rated higher. PayBacks averages 3.0 out of 5 from 2 ratings, while Mooch averages 4.8 from 18 ratings.

### Do PayBacks or Mooch have ads?

Neither PayBacks nor Mooch shows ads.

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

PayBacks ships an update every 3 months, and Mooch every 3 weeks. Most recently, PayBacks was updated on October 24, 2026 and Mooch on October 24, 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.*