# APaym vs Zitocard

The clearest difference is rating: Zitocard at 3.2 against APaym's 2.6. Zitocard also leads on review sentiment (38% vs 15%). APaym's advantage is update cadence (every 11 days vs monthly). On price, ratings volume, ads and in-app purchases there is nothing between them.

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

Zitocard holds the better App Store score, 3.2 against 2.6. Both are backed by a comparable volume of ratings — 17 and 18 respectively. Written reviews point the same way: 15% of APaym's written reviews are positive against 38% of Zitocard's.

APaym ships an update every 11 days, Zitocard monthly. Both last shipped on October 24, 2026.

## The numbers

| Metric | APaym | Zitocard |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.6 (17 ratings)](https://appshunter.io/ios/app/apaym/id1211381693/reviews) | **[3.2 (18 ratings)](https://appshunter.io/ios/app/zitocard/id1483470987/reviews)** |
| Number of ratings | 17 | **18** |
| Positive reviews | 14.7% of reviews | **38.5% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 11 days** | Monthly |
| Monetization | Free | Free |
| Size | 101 MB | 26 MB |
| Requires iOS | 12.0 | 12.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Weblogy](https://appshunter.io/developer/418902790) | [Zito Financial](https://appshunter.io/developer/1476083740) |

## What reviewers say

### APaym

[App page](https://appshunter.io/ios/app/apaym/id1211381693)

This app facilitates real-time money transfers to various cards, bank accounts, and mobile money services globally. It offers a virtual card for online payments and a professional solution for merchants to accept immediate compensation payments.

**Highlights:** Real-time transfers to Visa, bank accounts, and Mobile Money, Global payments and withdrawals, Virtual card for online payments, Payment links and QR codes, Merchant payment solution (APAYM Pro)

**Features:** macOS Compatibility

**In-app purchases:** none


### Zitocard

[App page](https://appshunter.io/ios/app/zitocard/id1483470987)

This app offers a secure and convenient way to manage prepaid cards, bank accounts, and mobile wallets. It allows users to easily credit their accounts and provides a prepaid Visa/Mastercard for online and in-person purchases, offering the benefits of traditional cards without monthly fees.

**Highlights:** Credit prepaid cards, bank accounts, and mobile wallets, Create a Zitocard account, Obtain physical/virtual prepaid Visa/Mastercard, Use cards for online and in-person purchases, No monthly fees on prepaid cards

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is APaym free?

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

### Is Zitocard free?

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

### Which has better reviews, APaym or Zitocard?

Zitocard is rated higher. APaym averages 2.6 out of 5 from 17 ratings, while Zitocard averages 3.2 from 18 ratings.

### Do APaym or Zitocard have ads?

Neither APaym nor Zitocard shows ads.

### Which is updated more often, APaym or Zitocard?

APaym ships an update every 11 days, and Zitocard monthly. Most recently, APaym was updated on October 24, 2026 and Zitocard on October 24, 2026.

---

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