# Pay P.S. Займы онлайн на карту vs ПО

The clearest difference is rating: Pay P.S. Займы онлайн на карту at 4.8 against ПО's 3.8. Pay P.S. Займы онлайн на карту also leads on review sentiment (78% vs 43%). ПО's advantage is monetization model (free vs ad-supported) and iOS requirement (13.0 vs 16.6). On price, ratings volume, update cadence and ads there is nothing between them.

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

Pay P.S. Займы онлайн на карту holds the better App Store score, 4.8 against 3.8. Both are backed by a comparable volume of ratings — 23 and 26 respectively. Written reviews point the same way: 78% of Pay P.S. Займы онлайн на карту's written reviews are positive against 43% of ПО's.

Pay P.S. Займы онлайн на карту ships an update every 2 months, ПО every 6 weeks. Both last shipped on October 20, 2026.

## The numbers

| Metric | Pay P.S. Займы онлайн на карту | ПО |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.8 (23 ratings)](https://appshunter.io/ios/app/pay-ps/id1502360637/reviews)** | [3.8 (26 ratings)](https://appshunter.io/ios/app/id6474120365/reviews) |
| Number of ratings | 23 | **26** |
| Positive reviews | **78.4% of reviews** | 43.1% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 6 weeks** |
| Monetization | Ad-supported | **Free** |
| Size | 37 MB | 65 MB |
| Requires iOS | 16.6 | **13.0** |
| Devices | iPhone | **iPhone, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [ZAIM ONLAIN, OOO MFO](https://appshunter.io/developer/1147096700) | [Direct Credit](https://appshunter.io/developer/1546602815) |

## What reviewers say

### Pay P.S. Займы онлайн на карту

[App page](https://appshunter.io/ios/app/pay-ps/id1502360637)

Get quick online loans and microloans up to 100,000 rubles. Receive funds urgently without calls, references, or guarantors. Enjoy super conditions, discounts, and promotions for regular clients.

**Highlights:** Online loans up to 100,000 rubles, No calls, references, or guarantors, Automatic verification, Funds transferred to any bank card, Multiple repayment options, Low minimum APR

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

**In-app purchases:** none


### ПО

[App page](https://appshunter.io/ios/app/id6474120365)

This finance app allows users to register via their phone number. It is operated by a microcredit company, providing contact details and official registration information.

**Highlights:** Phone number registration, Company contact information, Official registration details, Microcredit services

**In-app purchases:** none


## Frequently asked questions

### Is Pay P.S. Займы онлайн на карту free?

Pay P.S. Займы онлайн на карту is free to download, with no in-app purchases.

### Is ПО free?

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

### Which has better reviews, Pay P.S. Займы онлайн на карту or ПО?

Pay P.S. Займы онлайн на карту is rated higher. Pay P.S. Займы онлайн на карту averages 4.8 out of 5 from 23 ratings, while ПО averages 3.8 from 26 ratings.

### Do Pay P.S. Займы онлайн на карту or ПО have ads?

Neither Pay P.S. Займы онлайн на карту nor ПО shows ads.

### Which is updated more often, Pay P.S. Займы онлайн на карту or ПО?

Pay P.S. Займы онлайн на карту ships an update every 2 months, and ПО every 6 weeks. Most recently, Pay P.S. Займы онлайн на карту was updated on October 20, 2026 and ПО on October 20, 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.*