Comparison

Paytend vs S1lkPay

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

S1lkPay

A secure digital wallet and payment app for effortless financial transactions. Manage bills, shop online, and send money with a virtual prepaid card and expense tracking.

Highlights
  • Instant digital payment card
  • Secure mobile money transfer
  • Family finance management
  • Expense tracker
  • Multi-currency account
  • Card control features
Features
Read full description

Welcome to S1lkpay, your ultimate financial companion. S1lkpay is a secure and convenient digital wallet and payment app that simplifies your financial transactions. Whether you're paying bills, shopping online, or supporting loved ones, S1lkpay has got you covered. Effortless Money Management: Instant Digital Payment Card: Open a virtual prepaid card for seamless online and in-store purchases. Secure Mobile Money Transfer: Send and receive funds securely with our encrypted platform, perfect for both local and international transactions. Family Finance Management: Share cards with family and friends, and easily control shared expenses from your mobile device. Key Features: Mobile Payments: Enjoy the ease of cashless payments for all your daily needs. Expense Tracker: Keep an eye on your spending with our user-friendly expense tracking feature. Multi-Currency Account: Travel with ease using our multi-currency account, offering competitive exchange rates. Financial Services: Access a range of services including budgeting tools and financial support for your loved ones. Card Control: Ensure the security of your transactions with advanced card control features. Why Choose S1lkpay? Fast and Reliable: Experience quick and dependable payment processing with our secure platform. User-Friendly: Navigate effortlessly through our intuitive interface, designed for hassle-free financial management. No Bank Account Required: Get started without the need for a traditional bank account or credit checks. Download S1lkpay today and take the first step towards simplified and secure financial management. Whether you're paying, transferring, or sharing money, S1lkpay is your trusted companion for all things finance.

Screenshots

Paytend3 screens
S1lkPay4 screens

Verdict

The call

The clearest difference is ads: Paytend at none against S1lkPay's shown. Paytend also leads on review sentiment (54% vs 38%) and monetization model (free vs ad-supported). On price, update cadence, in-app purchases 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. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 3 weeks. The most recent releases landed on October 25, 2026 and October 15, 2026 respectively.

Scorecard4 real differences · 6 level
Paytend versus S1lkPay: the parameters behind the verdict, then further details
ParameterPaytendS1lkPay
PriceFreeFree
Rating—3.5 (21 ratings) — better
Positive reviews53.8% of reviews — better38.5% of reviews
Number of ratings—21 — better
Update frequencyEvery 3 weeksEvery 3 weeks
AdsNo — betterYes
In-app purchasesNoNo
MonetizationFree — betterAd-supported
DevicesiPhone, iPodiPhone, iPod
Requires iOS13.0 — better15.5
Further details — not scored
Size124 MB243 MB
Age rating4+4+
DeveloperPAYTEND EUROPE UABS1LK, TOO

Customer experience

Paytend

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

S1lkPay

All ratings20 ratings
Positive55.0%
Neutral5.0%
Negative40.0%
Written reviews13 reviews
Positive38.5%
Neutral0.0%
Negative61.5%

In-app purchases

None

Paytend

No in-app purchases

None

S1lkPay

No in-app purchases

Questions

Is Paytend free?
Paytend is free to download, with no in-app purchases.
Is S1lkPay free?
S1lkPay is free to download, with no in-app purchases.
Do Paytend or S1lkPay have ads?
S1lkPay shows ads; Paytend does not.
Which is updated more often, Paytend or S1lkPay?
Paytend ships an update every 3 weeks, and S1lkPay every 3 weeks. Most recently, Paytend was updated on October 25, 2026 and S1lkPay on October 15, 2026.

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