# PayBacks vs The Mystic Raven

The clearest difference is in-app purchases: The Mystic Raven at none against PayBacks's 2. The Mystic Raven also leads on update cadence (every 3 weeks vs every 3 months). PayBacks's advantage is iOS requirement (10.0 vs 15.1). On price, ads and device support there is nothing between them.

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

PayBacks ships an update every 3 months, The Mystic Raven every 3 weeks. The most recent releases landed on November 1, 2026 and October 30, 2026 respectively.

## The numbers

| Metric | PayBacks | The Mystic Raven |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.0 (2 ratings)](https://appshunter.io/ios/app/paybacks/id973145698/reviews)** | — |
| Number of ratings | **2** | — |
| Positive reviews | 87.5% of reviews | — |
| In-app purchases | Yes | **No** |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 3 weeks** |
| Monetization | Free with in-app purchases | — |
| Size | 51 MB | 449 MB |
| Requires iOS | **10.0** | 15.1 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Cristina Buga](https://appshunter.io/developer/973024381) | [Cheryl Farr](https://appshunter.io/developer/1781760983) |

## 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 |


### The Mystic Raven

[App page](https://appshunter.io/ios/app/the-mystic-raven/id6738665302)

**Features:** macOS Compatibility, Apple Wallet

**In-app purchases:** none


## Frequently asked questions

### Is PayBacks free?

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

### Is The Mystic Raven free?

The Mystic Raven is free to download, with no in-app purchases.

### Do PayBacks or The Mystic Raven have ads?

Neither PayBacks nor The Mystic Raven shows ads.

### Which is updated more often, PayBacks or The Mystic Raven?

PayBacks ships an update every 3 months, and The Mystic Raven every 3 weeks. Most recently, PayBacks was updated on November 1, 2026 and The Mystic Raven on October 30, 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.*