Owed Review
Owed vs Payout
Payout and Owed both match you with class action settlements and help you get to the claim. Payout is a free iPhone and Android app with an optional Premium subscription and partner offers; Owed is a web app with a free settlements directory and one flat paid membership. Here's how they compare as of October 2026.
Pick Payout if you want a free app on iPhone or Android with help pre-filling claims, and you're comfortable with its data-sharing terms or will opt out. Pick Owed if you'd rather pay one flat price for matching, reminders and tracking in your browser.
Feature comparison
We make Owed, so check the Payout column against their site too. Facts as of October 2026.
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| Ours Owed | Payout | |
|---|---|---|
| Price | $2 first week, then $49/yr | Free app; Premium $4.99–$14.99/wk or $9.99–$59.99/yr |
| Free trial / intro offer | $2 for 7 days; cancel before they end to skip $49 | Free to download; Premium is optional |
| Takes a cut of payouts | None stated; the administrator pays you | |
| Files claims for you | Pre-fills; its documents disagree on submitting | |
| Free settlement list without an account | public catalog of 121 records | |
| Personal matching | short quiz | brands and questions, plus new-case alerts |
| Refund / money-back policy | 14-day money-back guarantee | Through Apple or Google |
| iPhone app | Web app only (no App Store app yet) | |
| Android app | Web app only (no Google Play app yet) | |
| Company behind it | Owed | Payout LLC (San Francisco, per its blog) |
Owed
Strengths
- One flat price: $2 for the first week, then $49 per year
- Full refund of any charge if you email support within 14 days
- Every listed case is checked against the official settlement site first
- Pro tracks claims and reminds you 7 days and 24 hours before deadlines
- Never takes a percentage of any payout
Weaknesses
- Costs money: $49 per year after a $2 first week
- Web app only: no App Store or Google Play app yet
- New company with no public ratings yet
- You still submit every claim yourself on the official form
Payout
Strengths
- Free to download; Terms say it doesn't charge to file individual claims
- Apps on iPhone and Android, rated 4.7 and 4.8 with 11K+ ratings each
- Pre-fills claim details you review; claim-form data stays on your device
- Public catalog of 121 settlement records, no account needed
- Says plainly it's not a law firm; administrators handle all funds
Weaknesses
- Privacy Policy says it sells and shares personal information (opt-out available)
- Premium isn't on its homepage; App Store lists weekly plans up to $14.99
- 31 of the 50 newest written App Store reviews are one-star
- Earns commissions on partner card, bank and investing offers
- Its documents disagree on whether it submits claims for you
Payout, as we found it
Screenshots of public pages, captured October 18, 2026.
Our verdict
Payout's biggest advantage is cost. As of October 2026 it's free to download on iPhone and Android, its Terms say it doesn't charge to file individual claims, its settlements catalog can be read without an account, and its store ratings are 4.7 and 4.8 with more than 11,000 ratings each. If you want a free app, Payout has the edge over Owed.
Owed is for people who'd rather pay one flat price than work around a paywall. Payout's App Store listing shows ten in-app purchases with weekly plans up to $14.99, the paywall and subscription charges are the most common complaints in its recent written reviews, and its Privacy Policy says it sells and shares personal information, with an opt-out. Owed Pro is $2 for the first week, then $49 per year — one flat membership. Owed never takes a percentage of any payout, and you can get a full refund of any charge by emailing support within 14 days. We built Owed, so weigh that accordingly. Filing directly with a settlement administrator is free either way.
Sources for the Payout facts
- Payout — official site
- Payout — Terms of Service
- Payout — Privacy Policy (effective July 8, 2026)
- Payout: Claim Class Actions — App Store listing
- Payout: Claim Class Actions — Google Play listing
- Payout — settlements catalog
We build Owed and we write this site, so read it knowing that. We check every settlement on its official website before listing it, and we’ll tell you when you don’t need us. Corrections and questions: support@claimowedmoney.com.
Owed vs Payout: questions
Is Payout better than Owed?
If you want a free app, Payout is the better starting point: it's free to download on iPhone and Android, and its settlements catalog is public. Owed Pro costs $2 for the first week, then $49 per year, for matching, reminders and tracking in your browser. We built Owed, so weigh our answer accordingly.
Is Payout really free?
The app is free to download, and its Terms say it doesn't charge to file individual claims. It also sells an optional Premium subscription: as of October 2026, the App Store lists weekly plans of $4.99 to $14.99 and annual plans of $9.99 to $59.99. Filing directly with a settlement administrator is always free.
Does Payout or Owed file claims for you?
Owed doesn't: you submit every claim yourself on the official form. Payout pre-fills claim details for you to review, but its own documents disagree on whether it submits claims for you.