Verve World vs PayClear

Verve is Africa's most successful card brand with payment tokens and card option that power commerce across Africa, empowering Africans to live the good life, both at home and beyond. Accepted Across Africa and Beyond. Over 100 Million+ Verve Cards Issued.

Never pay for a free trial you forgot. PayClear reminds you before every trial, renewal and bill charges you — without ever asking for your bank login. Most trackers hand you a list. PayClear shows you what needs a decision this week: the trial that converts on Friday, the yearly renewal you forgot about, the shared plan nobody has paid you back for. NO BANK LOGIN. NO ACCOUNT. NO CLOUD. Your subscriptions live in a local database on your iPhone. PayClear never asks for bank credentials, card numbers, an email address or a password, and never uploads your data. FREE TRIALS, HANDLED Add a trial the day you start it. PayClear tracks the end date and the first charge, then reminds you in time to keep it or cancel it yourself. Once you decide, the trial moves to paid tracking or to canceled — nothing sits in limbo. A REMINDER BEFORE EVERY CHARGE Choose how far ahead you want to hear about each payment. Works for subscriptions, yearly renewals, rent, utilities and any other recurring bill. RENEWALS AT A GLANCE See what renews next, what's due this week, and the whole month in a payment calendar. A Home Screen widget keeps your next charge and monthly total in view. SEE WHAT YOU REALLY SPEND Monthly and yearly totals, broken down by category and by profile — personal, family, business. Track in USD, EUR, GBP, PLN, JPY or KRW. SET A SPENDING LIMIT Pick a weekly, monthly or yearly limit. PayClear alerts you at 80% and again if your recurring costs go over it. SPLIT SHARED SUBSCRIPTIONS Family plan or roommates? Turn on bill split, set how many people share the cost, and PayClear works out each person's share. Send a share card or copy a ready-made message with the amount, who to pay and how. PRIVATE BY DESIGN • Your data stays on your device • Encrypted, password-protected backup (AES-256) • Spreadsheet export whenever you want your data out • App lock with Face ID or your passcode (Lifetime) PAY ONCE — NOT ANOTHER SUBSCRIPTION Free: up to 5 active services with reminders, dashboard, calendar, backup and export. The free version may show light ads. Lifetime: one optional purchase unlocks unlimited services, no ads, app lock, the Savings Simulator and Premium Reports. No monthly fee. A subscription tracker shouldn't be another subscription. PayClear is a manual tracker. It doesn't connect to your bank, detect subscriptions automatically or cancel anything for you. You add what you pay for — PayClear makes sure you see every charge coming.