PayBacks vs Lending Evidence
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
PayBacks
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.
- Track money lent and borrowed
- Add payment details
- Reminders for due dates
- Mark payments as paid
- Send friendly reminders
- Siri integration
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Give money, get money. Never forget. PayBacks allows you to keep track of your small loans in a super easy to use interface. How does it work? • Add your payments Quickly add your payments to your log by entering details like amount, currency and the person who you owe or from where you need to get money from. • Get reminded of due dates PayBacks notifies you when a payment is due so you can easily take action. • Pay it or get paid When you’re finished with a payment, you can mark it as paid very easy. You can also send friendly reminders to friends who forget to pay their debts to you. • Support for Siri is here! You can use Siri to say things like "Give John $10 for lunch." or "Get €20 from Alex for cookies". Siri will understand and confirm your payment. Once you click or say "Send", she will add your payment to your list with a reminder for 24 hours.
Lending Evidence
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"Lending Evidence" is an app that lets both parties keep a shared record of lent and borrowed items. 【Key Features】 ・Lend Management Easily track what you lent, to whom, and when you need it back. ・Borrow Management Easily track what you borrowed, from whom, and when you need to return it. ・Photo Attachment Attach photos at the time of lending and returning as visual proof. ・Mutual Confirmation When an item is lent or borrowed, both parties confirm it in the app. Handwritten signatures are also supported. Mutual confirmation eliminates one-sided "I lent it" / "I returned it" disputes. ・Works Even Without the App! Even if the other person doesn't use the app, you can send them a receipt link via iMessage, WhatsApp, or any messaging app to confirm the lending and return. ・Widget Quickly check your lent and borrowed items right from your home screen widget. ・Borrow Code When you want to borrow something, share a 4-digit code or QR code so the lender can register you as the borrower in seconds.
Screenshots
Verdict
The clearest difference is in-app purchases: Lending Evidence at none against PayBacks's 2. Lending Evidence also leads on update cadence (every 8 days vs every 3 months). PayBacks's advantage is ads (none vs shown) and device support (3 vs 1). On price 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
Both are free to download. PayBacks sells 2 one-off in-app purchases. Lending Evidence asks for nothing beyond the download.
PayBacks ships an update every 3 months, Lending Evidence every 8 days. The most recent releases landed on October 16, 2026 and October 2, 2026 respectively.
| Parameter | PayBacks | Lending Evidence |
|---|---|---|
| Price | Free | Free |
| Rating | 3.0 (2 ratings) — better | — |
| Positive reviews | 87.5% of reviews | — |
| Number of ratings | 2 — better | — |
| Update frequency | Every 3 months | Every 8 days — better |
| Ads | No — better | Yes |
| In-app purchases | Yes | No — better |
| Monetization | Free with in-app purchases | — |
| Devices | iPhone, iPad, iPod — better | iPhone |
| Requires iOS | 10.0 — better | 16.0 |
| Further details — not scored | ||
| Size | 51 MB | 5 MB |
| Age rating | 4+ | 4+ |
| Developer | Cristina Buga | Shota Nakayama |
In-app purchases
PayBacks
- Remove Ads$1.99
- Unlimited Payments$2.99
Lending Evidence
No in-app purchases









