How each site actually works
SilverSingles starts with a personality questionnaire and then sends you a set of recommended matches shaped by it, with search available but secondary. OurTime puts browsing and search first and lets you go looking straight away. One rewards patience at signup, the other rewards knowing what you want.
The paywall is the same problem on both
Neither free tier lets you hold a proper conversation. SilverSingles gives you likes and winks and lets you reply to paying members. OurTime lets you browse and signal interest. Treat both as paid products and use the free week only to count how many active people are near you.
Who you actually meet
Both crowds are over 50 and mostly looking for something real rather than casual. SilverSingles skews a little more serious and a little more written. OurTime is broader and more relaxed, with more people open to companionship or friendship as well as romance.
What you get for paying
SilverSingles Premium buys messaging plus the matching that is the point of the product. OurTime's tiers mostly buy contact, with plan length as the main variable. Neither subscription can conjure people into a quiet area, so check activity before you commit.
Safety and expectations
Both moderate reasonably, offer reporting and blocking, and neither runs background checks. Romance scams target this age group, so never move money, be wary of anyone refusing a video call, and keep the first meeting somewhere public.