# PayOn for Merchant vs Ard

The clearest difference is update cadence: Ard at every 10 days against PayOn for Merchant's every 2 months. PayOn for Merchant's advantage is iOS requirement (12.0 vs 15.0). On price, ads, in-app purchases and device support there is nothing between them.

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

PayOn for Merchant ships an update every 2 months, Ard every 10 days. The most recent releases landed on October 7, 2026 and October 26, 2026 respectively.

## The numbers

| Metric | PayOn for Merchant | Ard |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[3.0 (75 ratings)](https://appshunter.io/ios/app/ard/id1369846744/reviews)** |
| Number of ratings | — | **75** |
| Positive reviews | — | 10.7% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 10 days** |
| Monetization | — | Free |
| Size | 14 MB | 131 MB |
| Requires iOS | **12.0** | 15.0 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [PAYON PLC](https://appshunter.io/developer/1287400561) | [Ard Financial Group](https://appshunter.io/developer/1369846743) |

## What reviewers say

### PayOn for Merchant

[App page](https://appshunter.io/ios/app/payon-for-merchant/id1294942275)

**Features:** macOS Compatibility

**In-app purchases:** none


### Ard

[App page](https://appshunter.io/ios/app/ard/id1369846744)

Manage your financial assets globally with this secure application. View balances, transfer funds, pay bills, and even get loan approvals in minutes. It also offers automatic credit scoring, new account openings, and stock trading.

**Highlights:** Global account access, View balances and history, Fund transfers, Bill payments, 5-minute loan approvals, Automatic credit scoring, Stock trading

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

**In-app purchases:** none


## Frequently asked questions

### Is PayOn for Merchant free?

PayOn for Merchant is free to download, with no in-app purchases.

### Is Ard free?

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

### Do PayOn for Merchant or Ard have ads?

Neither PayOn for Merchant nor Ard shows ads.

### Which is updated more often, PayOn for Merchant or Ard?

PayOn for Merchant ships an update every 2 months, and Ard every 10 days. Most recently, PayOn for Merchant was updated on October 7, 2026 and Ard on October 26, 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.*