# Payflow vs Midatacrédito

The clearest difference is ads: Payflow at none against Midatacrédito's shown. Payflow also leads on monetization model (free vs free with in-app purchases). Midatacrédito's advantage is review sentiment (100% vs 66%) and rating (4.9 vs 4.6). 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.

Midatacrédito holds the better App Store score, 4.9 against 4.6. That said, the two scores are not equally well evidenced: Midatacrédito has 128 ratings behind it against 12, so its average is the more settled of the two. Written reviews point the same way: 66% of Payflow's written reviews are positive against 100% of Midatacrédito's.

Payflow ships an update weekly, Midatacrédito every 9 days. The most recent releases landed on October 20, 2026 and October 19, 2026 respectively.

## The numbers

| Metric | Payflow | Midatacrédito |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.6 (12 ratings)](https://appshunter.io/ios/app/payflow/id1503530690/reviews) | **[4.9 (128 ratings)](https://appshunter.io/ios/app/midatacredito/id6752889575/reviews)** |
| Number of ratings | 12 | **128** |
| Positive reviews | 66.2% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | **Weekly** | Every 9 days |
| Monetization | **Free** | Free with in-app purchases |
| Size | 25 MB | 53 MB |
| Requires iOS | **15.0** | 15.1 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 17+ |
| Developer | [Payflow Digital S.L.](https://appshunter.io/developer/1503530689) | [Experian Colombia S A](https://appshunter.io/developer/1236856884) |

## What reviewers say

### Payflow

[App page](https://appshunter.io/ios/app/payflow/id1503530690)

Access earned wages on demand, whenever you need them. This service allows you to withdraw funds you've already earned directly to your bank account with a few clicks. Your employer must offer this benefit for you to use it.

**Highlights:** Access earned wages on demand, Real-time withdrawals, Direct bank transfers, No commissions charged, Employer-provided benefit integration

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

**In-app purchases:** none


### Midatacrédito

[App page](https://appshunter.io/ios/app/midatacredito/id6752889575)

Monitor your credit score, understand its impact, and protect yourself from fraud. Access your credit history for free and make informed financial decisions. Offers personalized financial product recommendations and tools to improve your creditworthiness.

**Highlights:** Free credit score access, Credit history monitoring, Fraud prevention tools, Financial decision-making guidance, Personalized financial product offers, Credit score simulator, Dark web data leak detection

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

**In-app purchases:** none


## Frequently asked questions

### Is Payflow free?

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

### Is Midatacrédito free?

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

### Which has better reviews, Payflow or Midatacrédito?

Midatacrédito is rated higher. Payflow averages 4.6 out of 5 from 12 ratings, while Midatacrédito averages 4.9 from 128 ratings.

### Do Payflow or Midatacrédito have ads?

Midatacrédito shows ads; Payflow does not.

### Which is updated more often, Payflow or Midatacrédito?

Payflow ships an update weekly, and Midatacrédito every 9 days. Most recently, Payflow was updated on October 20, 2026 and Midatacrédito on October 19, 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.*