# Paytend vs Zitocard

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.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

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

## The numbers

| Metric | Paytend | Zitocard |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[3.2 (18 ratings)](https://appshunter.io/ios/app/zitocard/id1483470987/reviews)** |
| Number of ratings | — | **18** |
| Positive reviews | **53.8% of reviews** | 38.5% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Monthly |
| Monetization | Free | Free |
| Size | 124 MB | 26 MB |
| Requires iOS | 13.0 | **12.0** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [PAYTEND EUROPE UAB](https://appshunter.io/developer/1470069382) | [Zito Financial](https://appshunter.io/developer/1476083740) |

## What reviewers say

### Paytend

[App page](https://appshunter.io/ios/app/paytend/id1470069383)

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:** macOS Compatibility

**In-app purchases:** none


### Zitocard

[App page](https://appshunter.io/ios/app/zitocard/id1483470987)

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:** macOS Compatibility

**In-app purchases:** none


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*