Comparison

PayJunction vs Zulio

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

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.

Highlights
  • Key-in credit cards
  • Send receipts via email
  • Collect electronic signatures
  • Next-day deposits
  • PCI Level 1 compliance
  • Process ACH payments
Features
Read full description

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.

About

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.

Highlights
  • Accept card payments
  • No processing fees
  • Auto-calculate fees
  • Offer cash discounts
  • Send invoices
  • Clean reporting
  • Personal customer support
Features
Read full description

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

PayJunction4 screens
Zulio4 screens

Verdict

The call

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

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

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.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 3 weeks. The most recent releases landed on September 10, 2026 and June 1, 2026 respectively.

Scorecard3 real differences · 7 level
PayJunction versus Zulio: the parameters behind the verdict, then further details
ParameterPayJunctionZulio
PriceFreeFree
Rating4.5 (8 ratings) — better4.1 (10 ratings)
Positive reviews100.0% of reviews — better50.0% of reviews
Number of ratings810 — better
Update frequencyEvery 3 weeksEvery 3 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS9.0 — better15.4
Further details — not scored
Size11 MB62 MB
Age rating4+4+
DeveloperMessiahic, Inc.Provident Payments Central LLC

Customer experience

PayJunction

All ratings8 ratings
Positive75.0%
Neutral25.0%
Negative0.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Zulio

All ratings10 ratings
Positive80.0%
Neutral0.0%
Negative20.0%
Written reviews2 reviews
Positive50.0%
Neutral0.0%
Negative50.0%

In-app purchases

None

PayJunction

No in-app purchases

None

Zulio

No in-app purchases

Questions

Is PayJunction free?
PayJunction is free to download, with no in-app purchases.
Is Zulio free?
Zulio is free to download, with no in-app purchases.
Which has better reviews, PayJunction or Zulio?
PayJunction is rated higher. PayJunction averages 4.5 out of 5 from 8 ratings, while Zulio averages 4.1 from 10 ratings.
Do PayJunction or Zulio have ads?
Neither PayJunction nor Zulio shows ads.
Which is updated more often, PayJunction or Zulio?
PayJunction ships an update every 3 weeks, and Zulio every 3 weeks. Most recently, PayJunction was updated on September 10, 2026 and Zulio on June 1, 2026.

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