CIOM vs Punto Pago
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
CIOM
This app allows users to access and perform various services independently after completing a registration and a trial test. Earnings depend on the number and quality of services rendered and the user's location.
- Service performance
- Independent work
- Quality-based earnings
- Location-dependent income
- Trial test for activation
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Luego de registrarse encontrará en el menú DISPONIBLES una prueba, la cual le permitirá aprender el uso de la aplicación. Si aprueba la prueba pasará a ser usuario activo. Una vez activado puede realizar de forma libre e independiente cualquiera de los servicios que encuentre. Depende en donde viva, cuantos servicios realice y la calidad de los mismos, cuánto dinero generará.
Punto Pago
Manage your finances and shop online with a digital wallet and marketplace. Easily get virtual Mastercard debit cards, discover unique products from local businesses, and enjoy secure payments with cashback rewards. Supports fair trade principles for online shopping.
- Free Mastercard issuance
- Virtual debit cards
- Online marketplace
- Cashback rewards
- Secure payments
- Free card delivery
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Punto Pago is an innovative app that provides a convenient and fast way to issue Mastercard debit and virtual cards, as well as a marketplace with over 120,000 products and more than 105 categories. It promotes a new way of buying online from local businesses and retailers, based on fair trade principles. The app includes a variety of features, such as: • Free and fast Mastercard issuance and approval within 2 minutes, eliminating the need to go to a bank. • A marketplace with unique offers on products from various categories, with the option for free delivery. • A wallet feature for easy online shopping, paying for services, and earning cashback. Punto Pago Mastercard holders can also enjoy additional benefits such as: • Free card delivery to your doorstep or at any Punto Pago kiosks. • Free card maintenance and the ability to freeze and control expenses at any time through the app. • Smart integration with the Punto Pago wallet. The app also offers secure and protected payment options, a refund guarantee for any issues with products, and a dedicated customer service team to assist with any questions or concerns. To learn more about Punto Pago, visit their website at www.puntopago.net, contact them via email at info@puntopago.net, or call them at (507) 399 3999. They also have a WhatsApp number 6262-5817 for support.
Screenshots
Verdict
The clearest difference is ratings volume: Punto Pago at 240 against CIOM's 4. Punto Pago also leads on update cadence (every 8 days vs every 3 weeks). CIOM's advantage is rating (5.0 vs 4.8) and review sentiment (84% vs 73%). On price, ads, in-app purchases and monetization model there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
CIOM holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: Punto Pago has 240 ratings behind it against 4, so its average is the more settled of the two. Written reviews point the same way: 84% of CIOM's written reviews are positive against 73% of Punto Pago's.
CIOM ships an update every 3 weeks, Punto Pago every 8 days. The most recent releases landed on October 7, 2026 and October 25, 2026 respectively.
| Parameter | CIOM | Punto Pago |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (4 ratings) — better | 4.8 (240 ratings) |
| Positive reviews | 84.2% of reviews — better | 73.3% of reviews |
| Number of ratings | 4 | 240 — better |
| Update frequency | Every 3 weeks | Every 8 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 12.1 — better | 15.0 |
| Further details — not scored | ||
| Size | 69 MB | 136 MB |
| Age rating | 4+ | 4+ |
| Developer | Circle Complete S.A. | PUNTO PAGO PANAMA, S.A. |
Customer experience
CIOM
Punto Pago
In-app purchases
CIOM
No in-app purchases
Punto Pago
No in-app purchases
