# IssueDirect vs e.PN

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.

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.

## The numbers

| Metric | IssueDirect | e.PN |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.5 (4 ratings)](https://appshunter.io/ios/app/issuedirect/id1341953448/reviews) | **[4.6 (73 ratings)](https://appshunter.io/ios/app/epn-virtual-cards/id6504874959/reviews)** |
| Number of ratings | 4 | **73** |
| Positive reviews | 0.0% of reviews | **81.4% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 8 months | **Every 10 days** |
| Monetization | Free | Free |
| Size | 2 MB | 162 MB |
| Requires iOS | **15.5** | 17 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 4+ | 17+ |
| Developer | [Ciphertext Solutions, Inc](https://appshunter.io/developer/1341953447) | [Digital Waves LTD](https://appshunter.io/developer/1844813064) |

## What reviewers say

### IssueDirect

[App page](https://appshunter.io/ios/app/issuedirect/id1341953448)

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.

**Highlights:** In-app card provisioning, Visa and Mastercard support, Secure digital wallet integration, For banks and credit unions

**Features:** Apple Wallet

**In-app purchases:** none


### e.PN

[App page](https://appshunter.io/ios/app/epn-virtual-cards/id6504874959)

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.

**Highlights:** Virtual cards from international banks, Pay for goods and services, No restrictions or blocks, Issue multiple cards, Transfer funds between accounts

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

**In-app purchases:** none

**What reviewers like**

- 👍 User-friendly interface
- 🚀 Fast and simple card issuance
- 💰 Favorable tariffs and competitive rates
- 💬 Responsive and helpful support
- 💳 Multiple virtual cards for different purposes

**What reviewers complain about**

- ⚠️ Misleading information about minimum deposit
- 💸 High commissions and hidden fees
- ❓ Dynamic commission changes make calculation difficult
- 😞 Support team initially unhelpful
- 🚫 Potential for account blocking

**Reported bugs**

- 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

**Requested features**

- More details from original website, including FAQ section


## Frequently asked questions

### Is IssueDirect free?

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

### Is e.PN free?

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

### Which has better reviews, IssueDirect or e.PN?

e.PN is rated higher. IssueDirect averages 3.5 out of 5 from 4 ratings, while e.PN averages 4.6 from 73 ratings.

### Do IssueDirect or e.PN have ads?

Neither IssueDirect nor e.PN shows ads.

### Which is updated more often, IssueDirect or e.PN?

IssueDirect ships an update every 8 months, and e.PN every 10 days. Most recently, IssueDirect was updated on October 24, 2026 and e.PN on October 27, 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.*