Comparison

Raris vs Payoma

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

Head to head
About

Raris

Manage your exclusive precious metal payment account and access a dedicated concierge service. This app allows Raris members to view transactions, manage security, and use a virtual card for online purchases, all with zero FX markup and transaction fees.

Highlights
  • Manage payment account online
  • View balance and transaction history
  • Use virtual card for online purchases
  • Access 24/7 concierge service
  • Zero FX markup and transaction fees
  • Security settings management
Features
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You MUST contact us first in order to set up your account. You cannot apply on the app without an invitation. Is it possible to bring back that feeling of freedom and delight from when you used a card for the first time? ​Why not every time? ​The first hallmarked precious metal card in the world, produced by The Royal Mint, the most prestigious currency manufacturer in the world, and hallmarked by the pioneers in the field, the Goldsmiths' Company Assay Office. ​A payment account designed by AF Payments to meet the most exacting standards of functionality and security to deliver a sense of luxury in making payments. ​This is Raris. 00 Zero FX Markup Zero Transaction Fees You do not have to worry about transaction fees or currency conversion commissions. We apply no markups whatsoever to the Mastercard conversion rate. 18 Eighteen Karat Gold Your Raris account is accessed via the exquisite 18kt gold card specifically crafted for you by The Royal Mint. 24 Twenty-four / Seven Concierge As a Mastercard World Elite account holder, a dedicated concierge is at your service round the clock to assist. The Raris app provides Raris members access to manage their account online including security settings, viewing a balance, viewing transaction history, using a virtual card for online spend and many more functions.

About

Payoma

Features
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Payoma is a digital payment solutions provider. We offer instant, safe and convenient payment services across the globe for individuals and businesses.

Screenshots

Raris4 screens
Payoma4 screens

Verdict

The call

The clearest difference is device support: Raris at 3 against Payoma's 1. Raris also leads on iOS requirement (14.1 vs 16.4). On price, update cadence, ads and in-app purchases 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.

UpkeepUpdate frequency

Raris ships an update every 3 months, Payoma every 6 weeks. The most recent releases landed on October 5, 2026 and October 12, 2026 respectively.

Scorecard2 real differences · 7 level
Raris versus Payoma: the parameters behind the verdict, then further details
ParameterRarisPayoma
PriceFreeFree
Rating5.0 (1 ratings) — better—
Number of ratings1 — better—
Update frequencyEvery 3 monthsEvery 6 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS14.1 — better16.4
Further details — not scored
Size258 MB58 MB
Age rating4+12+
DeveloperACCOMPLISH FINANCIAL LIMITEDPayoma Limited

In-app purchases

None

Raris

No in-app purchases

None

Payoma

No in-app purchases

Questions

Is Raris free?
Raris is free to download, with no in-app purchases.
Is Payoma free?
Payoma is free to download, with no in-app purchases.
Do Raris or Payoma have ads?
Neither Raris nor Payoma shows ads.
Which is updated more often, Raris or Payoma?
Raris ships an update every 3 months, and Payoma every 6 weeks. Most recently, Raris was updated on October 5, 2026 and Payoma on October 12, 2026.

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