Settlemate Alternatives (2026): 3 Free Apps That Find the Same Settlements
Payout, Catch, and ClaimHunt are free Settlemate alternatives, and Top Class Actions and ClassAction.org cover the same ground on the web. Settlemate costs $15.99 per month, or $3.33 per month billed annually (about $40 per year). The settlements it surfaces are public information, and filing a claim is free everywhere, with or without any app.
Quick Answer
Payout is the closest free replacement: 128 active settlements, automatic matching, in-app filing in 2 to 3 minutes, and no proof of purchase for about 80% of claims. Catch is free with optional bank-transaction matching, and ClaimHunt is free on Android. Keep Settlemate only if you specifically want its receipt scanning, price-drop tracking, or recall alerts at $15.99 per month.
What Settlemate charges for
Settlemate is a real app with a 4.8-star App Store rating across 72,157 ratings. It costs $15.99 per month on its website, or $3.33 per month billed annually (about $40 per year); in-app pricing has been listed at $13.99 per month or $34.99 per year, so the number can differ by platform. There is no free trial, and its Value Guarantee refund policy grants 12 additional free months rather than cash. Its 2.6-star Trustpilot score reflects value complaints, not fraud.
The subscription buys convenience, not access. Every class action settlement is public, has an official administrator website, and is free to file. The full pricing breakdown is in Is Settlemate Free? and the ratings picture is in Is Settlemate Legit?
The 5 alternatives at a glance
| Alternative | Price | Coverage | Notes |
|---|---|---|---|
 Payout | Free | 97 active settlements | In-app filing, 2-3 min per claim |
 Catch | Free | Not disclosed | Optional bank-transaction matching |
 ClaimHunt | Free | ~40 settlements | Android-first |
 Top Class Actions | Free | 1,000+ listings | Website, manual filing |
 ClassAction.org | Free | 1,000+ cases | Website, legal research |
Settlemate, for reference: $15.99/month or ~$40/year, roughly 60 settlements, strongest on consumer product and defect cases.
1. Payout: the free like-for-like replacement
Free with no subscription, and no percentage taken from any payout
128 active settlements vs Settlemate’s roughly 60
No proof of purchase for about 80% of claims, filed in-app in 2 to 3 minutes
No receipt scanning, price-drop tracking, or recall alerts
Payout does the core Settlemate job for free: it matches you to open class action settlements based on a few questions about the products and services you have used, then files claims inside the app to the official administrator. It has 300,000+ downloads and 10,000+ five-star reviews, and it covers more data breach and privacy settlements than Settlemate, which leans toward product defect cases.
The settlement list is public at our open class action settlements page, so you can compare coverage yourself before installing anything. The head-to-head is in our Settlemate vs Payout comparison.
2. Catch: free, with bank-transaction matching
Catch is free, takes no commission, and is built by Kikoff, a San Francisco fintech. Its optional Plaid bank connection matches settlements against your real transactions, which replaces Settlemate’s receipt scanning with something arguably stronger: it can flag a qualifying purchase you forgot entirely. It holds 4.8 stars on the App Store across 1,699 ratings.
Know two things going in. The app has broadened since its January 2026 launch, and both app stores now describe earning gift cards through games and surveys first, with class actions second. Signup also requires a carrier-verified mobile number, so VOIP and prepaid numbers are refused, and its Google Play rating sits at 3.5 stars across 2,280 reviews. Details in our Catch vs Payout comparison.
3. ClaimHunt: free on Android
ClaimHunt is a free, Android-first settlement finder with in-app filing. Its database is the smallest of the app options, roughly 40 settlements against Payout’s 128 and Settlemate’s roughly 60, and it has a shorter track record. As a zero-cost second app on Android it is a reasonable pick. Our ClaimHunt vs Payout comparison has the specifics.
4 and 5. Top Class Actions and ClassAction.org: the free websites
If you would rather skip apps entirely, two long-running websites list settlements for free. Top Class Actions (founded 2008) has the largest database at 1,000+ listings plus the oldest settlement newsletter. ClassAction.org adds deeper legal background per case.
The trade is your time. Neither site matches you to settlements or files claims, so you read notices, check your own eligibility, and file on external administrator sites at 15 to 30 minutes per session. Our Top Class Actions alternatives page covers that side of the market in full, and our reviews of Top Class Actions and ClassAction.org cover both sites in detail.
What Settlemate does that the free apps do not
Settlemate bundles three tools none of the free settlement apps match. Email receipt scanning builds a purchase history automatically. Price-drop refund tracking watches retailer policies for money back outside of lawsuits. Recall notifications flag products you own. Its 4.8-star App Store rating across 72,157 ratings reflects an app that works as described.
For the class action side specifically, the free options cover the same public settlements. For price-drop refunds, Payout publishes free retailer price adjustment guides that cover each store’s refund window and request steps, without a subscription.