Skip to content
Illustrated by Vico Santos
Last Updated August 10, 2026
3 min read

How Apps Get You to Spend

Ever been playing a game and needed just one more life to finish the level? That life may cost you, but what’s $1.99 this one time? The problem is that that’s exactly how predatory companies want you to feel.

Plenty of apps, games, and websites use deceptive or exploitative tactics to push you toward purchases. The costs are usually small, but small purchases add up fast. Knowing the most common tricks helps you spot them before you fall in.

Financial Traps

“Sales”

Some sites quietly raise their prices so they can offer "sales" with big discounts. It feels like a deal (who turns down 40% off?) but you're not saving anything. You're buying something you wouldn't have bought at the real price.

Tiered Access or Paywalls

A site might pull you in with free content, then lock the best features behind a paywall. Sometimes there are tiers: pay a little for some content, pay more for the rest, pay even more to skip the ads.

A line of ants remove coins from a wallet.
Vico Santos

Subscriptions

Ten dollars a month doesn't sound bad. But that's $120 a year, and most people are stacking subscriptions to games, apps, and streaming services without doing the math. Plus, a lot of subscriptions auto-renew unless you opt out, so if you forget to cancel, you keep paying for things you've stopped using.

Careful Prices

It's no accident that an extra life costs $0.99 instead of $1.00, or an in-game item costs $8.99 instead of $9.00. That "lower" price makes it easier to justify the buy.

Psychological Traps

Intermediate Currency

Many games, apps, and websites require you to buy an intermediate currency that you use to buy things on the site. Whether they call it jewels, tickets, coins, or anything else, it’s a common way to hide what you’re actually paying. An item may cost 5,000 jewels, but what does that mean in actual dollars? If you already have the jewels in your inventory, you’re much less likely to check.

You're also usually forced to buy that currency in fixed bundles. Say you need 300 tickets, but the options are 200 for $2.00 or 500 for $4.50. Either way, you spend more than you needed — and the "good deal" tempts you to spend even more.

Addictive Games

Some games are designed to hook you the same way a slot machine does. You feel like you just need one more try to win, or you get a little dopamine hit when you succeed. If the game asks you to pay to keep going, you're a lot more likely to say yes. Some companies build their whole business on that.

A man nearly falls into an open manhole while looking at his phone.
Vico Santos

Timed Deals

Buy one, get one half off—today only." "Buy in the next five minutes for double points." When the clock is ticking, you make snap decisions you wouldn't make with time to think.

Pay-to-Win Scenarios

A game lets you play for free, but you'll never actually win without paying for upgrades, stat boosts, or rare items. It hits hardest when you're playing against other people, because losing to someone who paid stings more than losing to the game itself.

Some of these practices are more manipulative than others, but it's worth recognizing all of them. Before you tap "Buy," ask yourself: is one of these tricks working on me right now? If the answer is yes, that's reason enough to close the app and decide later. Your money is harder to earn than it is to spend.

Disclaimer
While we hope you find this content useful, it is only intended to serve as a starting point. Your next step is to speak with a qualified, licensed professional who can provide advice tailored to your individual circumstances. Nothing in this article, nor in any associated resources, should be construed as financial or legal advice. Furthermore, while we have made good faith efforts to ensure that the information presented was correct as of the date the content was prepared, we are unable to guarantee that it remains accurate today.

Neither Banzai nor its sponsoring partners make any warranties or representations as to the accuracy, applicability, completeness, or suitability for any particular purpose of the information contained herein. Banzai and its sponsoring partners expressly disclaim any liability arising from the use or misuse of these materials and, by visiting this site, you agree to release Banzai and its sponsoring partners from any such liability. Do not rely upon the information provided in this content when making decisions regarding financial or legal matters without first consulting with a qualified, licensed professional.