Comparison

PagueloFacil vs Kipo

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

Head to head
About

PagueloFacil

Manage your finances with this app, allowing you to add funds via various methods, request a digital Mastercard, and make payments using QR codes or directly to contacts. It offers a free account opening and helps you monitor your transactions.

Highlights
  • Add balance with crypto, cards, cash, and more
  • Request a digital Mastercard
  • Pay via QR code
  • Send payments to contacts
  • Monitor financial transactions
  • Connect bank account
Features
Read full description

Add Balance You can top up the balance of your app with Crypto, Visa or Mastercard, Cash, Clave, Nequi and ACH. PagueloFacil Mastercard Request your Mastercard from the app in an easy, fast and secure way. All digital and with no lines or paperwork. Pay through QR code. With PagueloFacil, you can pay at affiliated merchants or users through the QR code.This will allow you to make your payment in a matter of seconds. Make your payments from the App quickly and securely. Make payments to other people through the app, either from user to user or to people who are not registered yet, with just their phone number and email. Take control of your finances. With PagueloFacil, you will be able to monitor all your payments and request and keep track of your finances quickly and easily. Open your account in less than 5 minutes and for free. Opening your account is very simple and fast, no paperwork and no strings attached, in 5 minutes you can start using your app for everything you want. Connect your bank account. Enter your bank account information so you can request funds from your wallet quickly, easily, securely and in seconds. IMPORTANT:The PagueloFacil App is user-focused. This means that if your company is currently part of PagueloFacil you will not be able to use your credentials to log into our application and you will have to continue using our web portal. This app is created and focused on individuals who want to facilitate their payment and collection process.

About

Kipo

Read full description

Kipo helps you manage personal and shared finances without losing context. Track your own expenses and income, manage shared money with other people, scan receipts with OCR, follow balances, explore charts, and ask AI-powered finance questions in one place. Use Kipo to: - ask AI questions about your financial data and get guided answers inside the app; - track personal expenses and income without needing to create a group; - manage shared expenses with friends, family, roommates, and trips; - record recurring entries, including ongoing repeats and installment-style flows; - scan receipts from photos or files, keep attachments, and preserve the history behind each entry; - follow balances, settlements, and monthly progress inside each group; - explore charts for trends across expenses, income, categories, people, recurring activity, and cash flow; - get smarter category suggestions that improve as you review and correct entries. Kipo is built for real day-to-day finance organization, whether you manage money alone or with other people. For personal finance, Kipo helps you record day-to-day spending, organize income, keep receipts attached, and review your history with more context. For shared finance, Kipo helps you split expenses, track who paid, follow balances between members, manage settlements, and understand what is happening inside each group over time. Instead of spreading financial context across chats, notes, screenshots, and files, Kipo keeps the important details together: - what the entry was for; - who paid; - attached receipts or documents; - recurring activity over time; - balances and settlement progress; - category, timeline, and chart context. Kipo combines personal finance, shared finance, OCR receipt capture, recurring entries, smart categorization, charts, balances, and AI-assisted exploration in one app. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Screenshots

PagueloFacil4 screens
Kipo4 screens

Verdict

The call

The clearest difference is in-app purchases: PagueloFacil at none against Kipo's 10. PagueloFacil also leads on iOS requirement (15.1 vs 18.2). Kipo's advantage is update cadence (every 6 days vs monthly). On price, ads and device support 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. Kipo sells 10 in-app purchases, starting at $7.99 per month. PagueloFacil asks for nothing beyond the download.

UpkeepUpdate frequency

PagueloFacil ships an update monthly, Kipo every 6 days. The most recent releases landed on November 3, 2026 and October 31, 2026 respectively.

Scorecard3 real differences · 7 level
PagueloFacil versus Kipo: the parameters behind the verdict, then further details
ParameterPagueloFacilKipo
PriceFreeFree
Rating3.5 (11 ratings) — better—
Positive reviews40.0% of reviews—
Number of ratings11 — better—
Update frequencyMonthlyEvery 6 days — better
AdsNoNo
In-app purchasesNo — betterYes
MonetizationFree—
DevicesiPhone, iPod — betteriPhone
Requires iOS15.1 — better18.2
Further details — not scored
Size129 MB75 MB
Age rating17+12+
DeveloperPaguelo FacilBruno B e Oliveira

In-app purchases

None

PagueloFacil

No in-app purchases

10 purchases

Kipo

Subscriptions5
  • Kipo Plus Solo Monthly$7.991 Month
  • Kipo Plus Pod +1 Annual7 Days trial$129.991 Year
  • Kipo Plus Pod +2 Annual7 Days trial$189.991 Year
Show 2 more
  • Kipo Plus Pod +3 Annual7 Days trial$224.991 Year
  • Kipo Plus Pod +4 Annual7 Days trial$269.991 Year
One-time5
  • 200 Kipo Credits$1.99
  • 600 Kipo Credits$3.99
  • 1200 Kipo Credits$7.99
Show 2 more
  • 2400 Kipo Credits$15.99
  • 5000 Kipo Credits$31.99

Questions

Is PagueloFacil free?
PagueloFacil is free to download, with no in-app purchases.
Is Kipo free?
Kipo is free to download, with in-app purchases available.
Do PagueloFacil or Kipo have ads?
Neither PagueloFacil nor Kipo shows ads.
Which is updated more often, PagueloFacil or Kipo?
PagueloFacil ships an update monthly, and Kipo every 6 days. Most recently, PagueloFacil was updated on November 3, 2026 and Kipo on October 31, 2026.

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