PayJunction vs Zulio
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
PayJunction
This app allows existing customers to process payments and collect electronic signatures on the go. It supports keying in credit cards, sending email receipts, and offers next-day deposits. It is PCI Level 1 compliant for secure transactions.
- Key-in credit cards
- Send receipts via email
- Collect electronic signatures
- Next-day deposits
- PCI Level 1 compliance
- Process ACH payments
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Process payments on the go with PayJunction’s mobile app. You must be an existing PayJunction customer to use this companion app on your iPhone or iPad. Features • Key-in credit cards • Send receipts via email • Collect customers' signatures electronically • Receive next-day deposits • Achieve PCI Level 1 compliance • Remember to update the app often as we’ll be adding more features throughout 2018! PayJunction allows U.S.-based businesses to process payments and capture electronic signatures for card-present and card-not-present transactions. Users can set up recurring billing schedules, process ACH payments, store tokenized cards on file, recharge and refund with a click and access the system from any computer, smartphone or tablet with an Internet connection. The Smart Terminal for retail transactions is plug and play, allowing businesses to process EMV (chip), magstripe cards (swipe), and NFC-enabled devices without having to print or store paper receipts. PayJunction is a Level 1 PCI compliant provider.
Zulio
Empower your business to accept card payments without incurring additional costs. This app allows you to automatically include credit card fees in your pricing and offer cash discounts. Enjoy no processing fees, simple reporting, and dedicated customer support.
- Accept card payments
- No processing fees
- Auto-calculate fees
- Offer cash discounts
- Send invoices
- Clean reporting
- Personal customer support
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Give customers choice in how they pay without increasing your costs. Accepting card payments using traditional processors with high fees, and complicated PCI requirements can feel unfair. You shouldn't have to pay another “gross income tax” to get paid for the work you do. Auto calculate and include the credit card fee in your regular price and offer discount for paying with cash. No Processing Fees Accept Payments Send Invoices Personal Customer Support No Annual PCI Requirements Clean reporting. Keep 100% of everything that hits your account.
Screenshots
Verdict
The clearest difference is review sentiment: PayJunction at 100% against Zulio's 50%. PayJunction also leads on rating (4.5 vs 4.1) and iOS requirement (9.0 vs 15.4). On price, ratings volume, update cadence and ads 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.
PayJunction holds the better App Store score, 4.5 against 4.1. Both are backed by a comparable volume of ratings — 8 and 10 respectively. Written reviews point the same way: 100% of PayJunction's written reviews are positive against 50% of Zulio's.
Both ship on a similar rhythm, roughly every 3 weeks. The most recent releases landed on September 10, 2026 and June 1, 2026 respectively.
| Parameter | PayJunction | Zulio |
|---|---|---|
| Price | Free | Free |
| Rating | 4.5 (8 ratings) — better | 4.1 (10 ratings) |
| Positive reviews | 100.0% of reviews — better | 50.0% of reviews |
| Number of ratings | 8 | 10 — better |
| Update frequency | Every 3 weeks | Every 3 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 9.0 — better | 15.4 |
| Further details — not scored | ||
| Size | 11 MB | 62 MB |
| Age rating | 4+ | 4+ |
| Developer | Messiahic, Inc. | Provident Payments Central LLC |
Customer experience
PayJunction
Zulio
In-app purchases
PayJunction
No in-app purchases
Zulio
No in-app purchases








