Paytend vs PayZen
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- SEPA account opening
- Global money transfers
- Currency exchange
- Virtual and physical card issuance
- Business payment solutions
- Cross-border e-commerce settlement
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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.
PayZen
Accept payments anywhere using your smartphone or tablet. Create payment links, share them via QR code or message, and let customers pay securely online. Ideal for various sales scenarios and remote transactions.
- Create payment links
- Accept payments remotely
- QR code payment sharing
- Multiple payment methods
- Real-time payment tracking
- Secure payment page
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Easily cash in wherever you are with your smartphone or tablet, face to face or remotely. A cost-effective alternative to using a payment terminal and/or to offer your customers a simplified payment experience. How it works: 1. With the Payzen by Lyra application, create a payment link 2. Share it with your customer through a QR code or send it by SMS, WhatsApp, email or your favorite channel. 3. Your customer only has to click on the link or scan the QR code to make the payment on a secure web page. You can view in real time the progress of the payment requests for an optimal follow-up. An ideal solution for door-to-door sales, delivery, remote points of sale, booking by phone, invoice payment or unpaid reminders! The advantages of PayZen by Lyra: · More than 150 payment methods available (bank cards, wallet, prepaid cards, lunch vouchers, Chèques-vancance connect, sepa direct debit with e-mandate signature...) · Multi-currency with dynamic currency conversion available · Multilingual application · Multi-shops: one application to access all your shops · Ability to share the link on your other preferred and private channels such as Facebook, Messenger, Instagram, Telegram.... · Highly secure payment page: PCI DSS and 3DS2 Features in details: · Payment requests · Requests for a payment method registration · Payment and payment method registration requests · Payment status: sent, in progress, paid, cancelled, refused, expired · Details available for each payment request created · Advanced customization: link expiration date, language choice, payment validation choice (automatic or manual), capture delay · Compatible with the hosted page including data collect form · Connected with a powerful back office · Get an access to the PayZen back office with the same login/password for even more features: · Cancel, refund or duplicate payments · Accounting export · Republish a payment ticket · Advanced preferences and customization Access to this application requests to a PayZen subscription including payment orders and a distance contract. It can be used in addition to a website or on its own. About PayZen PayZen is a solution published by the Lyra Group, expert and leader in secure payments. Founded in 2001, Lyra has an international presence through its 11 subsidiaries and manages: · + 250,000 e-commerce sites worldwide · + 20 billion payments per year · + 4 million payment terminals worldwide Its services are PCI DSS, PCI 3DS, Visa, MasterCard certified and approved by the GIE Cartes Bancaires.
Screenshots
Verdict
The clearest difference is review sentiment: Paytend at 54% against PayZen's 20%. Paytend also leads on update cadence (every 3 weeks vs every 3 months) and iOS requirement (13.0 vs 16.4). On price, ads, in-app purchases and monetization model 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
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, PayZen every 3 months. The most recent releases landed on June 11, 2026 and September 18, 2026 respectively.
| Parameter | Paytend | PayZen |
|---|---|---|
| Price | Free | Free |
| Rating | — | 1.0 (3 ratings) — better |
| Positive reviews | 53.8% of reviews — better | 20.0% of reviews |
| Number of ratings | — | 3 — better |
| Update frequency | Every 3 weeks — better | Every 3 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad |
| Requires iOS | 13.0 — better | 16.4 |
| Further details — not scored | ||
| Size | 124 MB | 64 MB |
| Age rating | 4+ | 4+ |
| Developer | PAYTEND EUROPE UAB | Lyra Network |
Customer experience
Paytend
PayZen
In-app purchases
Paytend
No in-app purchases
PayZen
No in-app purchases









