# PayBacks vs LendMate

The clearest difference is update cadence: PayBacks at every 3 months against LendMate's every 9 months. PayBacks also leads on iOS requirement (10.0 vs 15.6). On price, ads, in-app purchases and device support there is nothing between them.

Both are free to download. PayBacks sells 2 one-off in-app purchases and LendMate sells 2 in-app purchases, starting at $0.99 per 7 days. Whichever you choose, the download price is not the number that matters.

PayBacks ships an update every 3 months, LendMate every 9 months. The most recent releases landed on October 24, 2026 and October 15, 2026 respectively.

## The numbers

| Metric | PayBacks | LendMate |
| --- | --- | --- |
| 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 | Yes |
| Ads | No | No |
| Update frequency | **Every 3 months** | Every 9 months |
| Monetization | Free with in-app purchases | — |
| Size | 51 MB | 2 MB |
| Requires iOS | **10.0** | 15.6 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Cristina Buga](https://appshunter.io/developer/973024381) | [Opshanka Prabath Isuru Bandara Abeykoon](https://appshunter.io/developer/1716041439) |

## 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 |


### LendMate

[App page](https://appshunter.io/ios/app/lendmate-keep-the-friendship/id6746702144)

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

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Enjoy ad-free | $0.99 | per 7 days |
| LendMate Premium | $24.99 | per year |


## Frequently asked questions

### Is PayBacks free?

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

### Is LendMate free?

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

### Do PayBacks or LendMate have ads?

Neither PayBacks nor LendMate shows ads.

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

PayBacks ships an update every 3 months, and LendMate every 9 months. Most recently, PayBacks was updated on October 24, 2026 and LendMate on October 15, 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.*