# Paytend vs S1lkPay

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.

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

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

## The numbers

| Metric | Paytend | S1lkPay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[3.5 (21 ratings)](https://appshunter.io/ios/app/s1lkpay/id1579807258/reviews)** |
| Number of ratings | — | **21** |
| Positive reviews | **53.8% of reviews** | 38.5% of reviews |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Every 3 weeks | Every 3 weeks |
| Monetization | **Free** | Ad-supported |
| Size | 124 MB | 243 MB |
| Requires iOS | **13.0** | 15.5 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [PAYTEND EUROPE UAB](https://appshunter.io/developer/1470069382) | [S1LK, TOO](https://appshunter.io/developer/1474328358) |

## 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


### S1lkPay

[App page](https://appshunter.io/ios/app/s1lkpay/id1579807258)

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:** macOS Compatibility, Apple Wallet

**In-app purchases:** none


## Frequently asked 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.

---

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