# PayCad vs Guto

PayCad and Guto are too close to call on the numbers: across 6 compared parameters — price, update cadence, ads and in-app purchases among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

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 fortnightly. The most recent releases landed on October 18, 2026 and October 12, 2026 respectively.

## The numbers

| Metric | PayCad | Guto |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[4.5 (6 ratings)](https://appshunter.io/ios/app/guto/id6744040570/reviews)** |
| Number of ratings | — | **6** |
| Positive reviews | — | 100.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Fortnightly | Fortnightly |
| Monetization | — | Free |
| Size | 4 MB | 86 MB |
| Requires iOS | 16.6 | **15.1** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 17+ | 4+ |
| Developer | [Code 256 Limited](https://appshunter.io/developer/1327044422) | [Hotspot Inc.](https://appshunter.io/developer/1491608181) |

## What reviewers say

### PayCad

[App page](https://appshunter.io/ios/app/paycad/id1487439370)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### Guto

[App page](https://appshunter.io/ios/app/guto/id6744040570)

A digital wallet designed for Africa, simplifying cross-border payments and mobile money transactions. Easily send, receive, and hold stable digital dollars, with seamless integration for major mobile money networks.

**Highlights:** Borderless transfers across Africa, Hold and transfer stable digital dollars, Seamless mobile money integration, Advanced encryption and multi-layer security, Send, receive, save, and transact

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is PayCad free?

PayCad is free to download, with no in-app purchases.

### Is Guto free?

Guto is free to download, with no in-app purchases.

### Do PayCad or Guto have ads?

Neither PayCad nor Guto shows ads.

### Which is updated more often, PayCad or Guto?

PayCad ships an update fortnightly, and Guto fortnightly. Most recently, PayCad was updated on October 18, 2026 and Guto on October 12, 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.*