# PayCad vs SurgePay

The clearest difference is update cadence: PayCad at fortnightly against SurgePay's monthly. On price, ads, 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.

PayCad ships an update fortnightly, SurgePay monthly. The most recent releases landed on October 18, 2026 and October 9, 2026 respectively.

## The numbers

| Metric | PayCad | SurgePay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[5.0 (8 ratings)](https://appshunter.io/ios/app/surgepay/id6748153951/reviews)** |
| Number of ratings | — | **8** |
| Positive reviews | — | 100.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Monthly |
| Monetization | — | Free |
| Size | 4 MB | 106 MB |
| Requires iOS | 16.6 | **16.4** |
| Devices | **iPhone, iPad** | iPhone |
| Age rating | 17+ | 17+ |
| Developer | [Code 256 Limited](https://appshunter.io/developer/1327044422) | [SURGEPAY INC](https://appshunter.io/developer/1824489402) |

## What reviewers say

### PayCad

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

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

**In-app purchases:** none


### SurgePay

[App page](https://appshunter.io/ios/app/surgepay/id6748153951)

Manage multiple currencies, virtual cards, and send/receive money securely. Offers quick sign-in options, including biometrics, and provides real-time exchange rates for conversions. Ideal for everyday financial transactions with built-in support.

**Highlights:** Multi-currency wallets (USD & NGN), Virtual card creation, Money conversion with live rates, Send and receive money, Secure sign-in with biometrics, In-app live chat support

**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 SurgePay free?

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

### Do PayCad or SurgePay have ads?

Neither PayCad nor SurgePay shows ads.

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

PayCad ships an update fortnightly, and SurgePay monthly. Most recently, PayCad was updated on October 18, 2026 and SurgePay on October 9, 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.*