# Token Mobile vs PAYGO

The clearest difference is rating: PAYGO at 3.0 against Token Mobile's 2.3. Token Mobile's advantage is iOS requirement (8.0 vs 15.6). On price, review sentiment, ratings volume and update cadence there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

PAYGO holds the better App Store score, 3.0 against 2.3. Both are backed by a comparable volume of ratings — 3 and 4 respectively. Written reviews split almost evenly too, at 0% and 0% positive.

Token Mobile ships an update every 5 months, PAYGO every 2 months. The most recent releases landed on September 30, 2026 and September 29, 2026 respectively.

## The numbers

| Metric | Token Mobile | PAYGO |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.3 (3 ratings)](https://appshunter.io/ios/app/token-mobile/id1104976020/reviews) | **[3.0 (4 ratings)](https://appshunter.io/ios/app/paygo/id1433709621/reviews)** |
| Number of ratings | 3 | **4** |
| Positive reviews | 0.0% of reviews | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 months | **Every 2 months** |
| Monetization | Free | Free |
| Size | 12 MB | 20 MB |
| Requires iOS | **8.0** | 15.6 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [BANCO DE OCCIDENTE](https://appshunter.io/developer/1029097625) | [PAYGO S.A.S](https://appshunter.io/developer/1433709620) |

## What reviewers say

### Token Mobile

[App page](https://appshunter.io/ios/app/token-mobile/id1104976020)

This app generates secure, short-lived random codes to enable safe mobile banking registration and online transactions. Follow step-by-step instructions for activation via QR code and ATM.

**Highlights:** Generates random, short-lived security codes, Enables secure mobile banking registration, Facilitates safe online transactions, QR code activation process, ATM activation steps

**Features:** macOS Compatibility

**In-app purchases:** none


### PAYGO

[App page](https://appshunter.io/ios/app/paygo/id1433709621)

This platform offers a secure and convenient alternative to cash for students in educational institutions. It allows for easy payments, real-time spending monitoring, and control over purchases, including blocking specific items or categories.

**Highlights:** Secure alternative payment method, Real-time spending monitoring, Control over purchases, Block unwanted products/categories, View meal menu schedules

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Token Mobile free?

Token Mobile is free to download, with no in-app purchases.

### Is PAYGO free?

PAYGO is free to download, with no in-app purchases.

### Which has better reviews, Token Mobile or PAYGO?

PAYGO is rated higher. Token Mobile averages 2.3 out of 5 from 3 ratings, while PAYGO averages 3.0 from 4 ratings.

### Do Token Mobile or PAYGO have ads?

Neither Token Mobile nor PAYGO shows ads.

### Which is updated more often, Token Mobile or PAYGO?

Token Mobile ships an update every 5 months, and PAYGO every 2 months. Most recently, Token Mobile was updated on September 30, 2026 and PAYGO on September 29, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*