Comparison

Paytend vs Zitocard

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

Head to head
About

Paytend

Manage personal and business finances with a comprehensive fintech solution. Open a SEPA account, transfer money globally, exchange currencies, and get virtual or physical bank cards. Offers business solutions for cross-border e-commerce.

Highlights
  • SEPA account opening
  • Global money transfers
  • Currency exchange
  • Virtual and physical card issuance
  • Business payment solutions
  • Cross-border e-commerce settlement
Features
Read full description

Manage your money and business, everything is in hand. Payend is an innovative fintech institution that offers banking accounts, card issuance, and acquiring services. As a company holding an EU EMI license (EMI LB000480), Paytend strictly adheres to the General Data Protection Regulation (GDPR) and the Payment Services Directive 2 (PSD2) of the European Union to ensure the privacy and security of user data. Get your SEPA account Apply online for your own SEPA account by using the Paytend App, your name, your own IBAN Transfer your Money globally The fastest single euro payment area payment within 1 minute by SEPA Instant SWIFT receipt and payment support your cross-border wire transfer in 37 currencies from 57 countries Global Money Transfer to China UnionPay Card without limit Exchange currencies at the real-time rate Mutual exchange of 37 currencies, real-time exchange rates, no exchange difference, and free of commission fee Get your Bank Card with clicks Visa Card, Master Card, online real-time card issuance, support global consumption and ATM withdrawal, make payments online and in-store. Business executive solution Cross-border e-commerce settlement, fast, efficient, and ultra-low commission fee. Paytend business account boasts a powerful system for gathering and transferring funds worldwide, capable of handling batch payments.

About

Zitocard

This app offers a secure and convenient way to manage prepaid cards, bank accounts, and mobile wallets. It allows users to easily credit their accounts and provides a prepaid Visa/Mastercard for online and in-person purchases, offering the benefits of traditional cards without monthly fees.

Highlights
  • Credit prepaid cards, bank accounts, and mobile wallets
  • Create a Zitocard account
  • Obtain physical/virtual prepaid Visa/Mastercard
  • Use cards for online and in-person purchases
  • No monthly fees on prepaid cards
Features
Read full description

Zitocard is a secure mobile solution that makes crediting your Prepaid Cards, Bank Accounts, and Mobile Wallets easier. In a few clicks, Create a Zitocard account and enjoy flexibility and security from the comfort of your home with Mobile Money, Cards and more. Get a prepaid VisaMastercard (physical/virtual) payment card for online purchases and payments! Our prepaid cards can be used in all locations where traditional Visa and Mastercards are accepted. Enjoy all the benefits of Visa and Mastercards without any of the burdens of monthly fees

Screenshots

Paytend3 screens
Zitocard4 screens

Verdict

The call

The clearest difference is review sentiment: Paytend at 54% against Zitocard's 38%. 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

Paytend ships an update every 3 weeks, Zitocard monthly. The most recent releases landed on October 25, 2026 and October 24, 2026 respectively.

Scorecard1 real difference · 9 level
Paytend versus Zitocard: the parameters behind the verdict, then further details
ParameterPaytendZitocard
PriceFreeFree
Rating—3.2 (18 ratings) — better
Positive reviews53.8% of reviews — better38.5% of reviews
Number of ratings—18 — better
Update frequencyEvery 3 weeks — betterMonthly
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS13.012.0 — better
Further details — not scored
Size124 MB26 MB
Age rating4+4+
DeveloperPAYTEND EUROPE UABZito Financial

Customer experience

Paytend

Written reviews13 reviews
Positive53.8%
Neutral0.0%
Negative46.2%

Zitocard

All ratings19 ratings
Positive52.6%
Neutral0.0%
Negative47.4%
Written reviews13 reviews
Positive38.5%
Neutral0.0%
Negative61.5%

In-app purchases

None

Paytend

No in-app purchases

None

Zitocard

No in-app purchases

Questions

Is Paytend free?
Paytend is free to download, with no in-app purchases.
Is Zitocard free?
Zitocard is free to download, with no in-app purchases.
Do Paytend or Zitocard have ads?
Neither Paytend nor Zitocard shows ads.
Which is updated more often, Paytend or Zitocard?
Paytend ships an update every 3 weeks, and Zitocard monthly. Most recently, Paytend was updated on October 25, 2026 and Zitocard on October 24, 2026.

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