# PayBacks vs Seven Card

The clearest difference is in-app purchases: Seven Card at none against PayBacks's 2. PayBacks's advantage is iOS requirement (10.0 vs 13.0). On price, update cadence, ads and device support there is nothing between them.

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

PayBacks ships an update every 3 months, Seven Card every 2 months. The most recent releases landed on October 24, 2026 and October 29, 2026 respectively.

## The numbers

| Metric | PayBacks | Seven Card |
| --- | --- | --- |
| 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 2 months** |
| Monetization | Free with in-app purchases | — |
| Size | 51 MB | 25 MB |
| Requires iOS | **10.0** | 13.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 17+ |
| Developer | [Cristina Buga](https://appshunter.io/developer/973024381) | [7 TECH](https://appshunter.io/developer/6800726473) |

## 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 |


### Seven Card

[App page](https://appshunter.io/ios/app/seven-card/id6800726051)

**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 Seven Card free?

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

### Do PayBacks or Seven Card have ads?

Neither PayBacks nor Seven Card shows ads.

### Which is updated more often, PayBacks or Seven Card?

PayBacks ships an update every 3 months, and Seven Card every 2 months. Most recently, PayBacks was updated on October 24, 2026 and Seven Card on October 29, 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.*