IssueDirect vs e.PN
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
IssueDirect
This app enables financial institutions to offer instant card provisioning directly within their mobile banking applications. Users can securely add Visa and Mastercard debit or credit cards to their digital wallets with ease.
- In-app card provisioning
- Visa and Mastercard support
- Secure digital wallet integration
- For banks and credit unions
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With IssueDirect and the IssueDirect Add-to-Wallet App Clip, any bank or credit union can provide In-App Provisioning of debit or credit cards from Visa and Mastercard.
e.PN
Effortlessly pay for goods and services with virtual cards from international banks. Issue multiple cards and transfer funds quickly between accounts with no restrictions or blocks.
- Virtual cards from international banks
- Pay for goods and services
- No restrictions or blocks
- Issue multiple cards
- Transfer funds between accounts
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No restrictions or blocks. Pay for the services you need quickly and effortlessly using virtual cards from international banks. Our product allows issuing multiple cards for one user at once and transferring funds from one account to another in just a couple of clicks.
Screenshots
Verdict
The clearest difference is review sentiment: e.PN at 81% against IssueDirect's 0%. e.PN also leads on rating (4.6 vs 3.5) and update cadence (every 10 days vs every 8 months). IssueDirect's advantage is iOS requirement (15.5 vs 17). 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.
e.PN holds the better App Store score, 4.6 against 3.5. That said, the two scores are not equally well evidenced: e.PN has 73 ratings behind it against 4, so its average is the more settled of the two. Written reviews point the same way: 0% of IssueDirect's written reviews are positive against 81% of e.PN's.
IssueDirect ships an update every 8 months, e.PN every 10 days. The most recent releases landed on October 24, 2026 and October 27, 2026 respectively.
| Parameter | IssueDirect | e.PN |
|---|---|---|
| Price | Free | Free |
| Rating | 3.5 (4 ratings) | 4.6 (73 ratings) — better |
| Positive reviews | 0.0% of reviews | 81.4% of reviews — better |
| Number of ratings | 4 | 73 — better |
| Update frequency | Every 8 months | Every 10 days — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad |
| Requires iOS | 15.5 — better | 17 |
| Further details — not scored | ||
| Size | 2 MB | 162 MB |
| Age rating | 4+ | 17+ |
| Developer | Ciphertext Solutions, Inc | Digital Waves LTD |
Customer experience
IssueDirect
e.PN
Bugs and requests
IssueDirect
Not enough reviews yet to summarise bugs or requests.
e.PN
Reported bugs
9 issues- Funds not credited after deposit
- App not working on phone
- Payment declines for subscriptions
- Support provides copy-paste replies
- Lost money on fees and top-up with unusable card
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- Crypto transfers not arriving
- Money stolen and accounts closed
- Cards not being issued
- No refund policy
Requested features
1 request- More details from original website, including FAQ section
In-app purchases
IssueDirect
No in-app purchases
e.PN
No in-app purchases
