# PayPlus vs ONE ZERO

The clearest difference is rating: PayPlus at 5.0 against ONE ZERO's 3.0. PayPlus also leads on monetization model (free vs free with in-app purchases) and iOS requirement (13.4 vs 15.0). ONE ZERO's advantage is update cadence (every 2 weeks vs every 5 months) and ratings volume (61 vs 1). 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.

PayPlus holds the better App Store score, 5.0 against 3.0. That said, the two scores are not equally well evidenced: ONE ZERO has 61 ratings behind it against 1, so its average is the more settled of the two.

PayPlus ships an update every 5 months, ONE ZERO every 2 weeks. The most recent releases landed on September 30, 2026 and October 6, 2026 respectively.

## The numbers

| Metric | PayPlus | ONE ZERO |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (1 ratings)](https://appshunter.io/ios/app/payplus/id1521147664/reviews)** | [3.0 (61 ratings)](https://appshunter.io/ios/app/one-zero/id1554109300/reviews) |
| Number of ratings | 1 | **61** |
| Positive reviews | — | 10.4% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 months | **Every 2 weeks** |
| Monetization | **Free** | Free with in-app purchases |
| Size | 25 MB | 274 MB |
| Requires iOS | **13.4** | 15.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Payplus LTD](https://appshunter.io/developer/1521147846) | [ONE ZERO Digital Bank LTD](https://appshunter.io/developer/1522256484) |

## What reviewers say

### PayPlus

[App page](https://appshunter.io/ios/app/payplus/id1521147664)

This app enables freelancers and businesses of all sizes to accept credit card payments, integrate with invoicing systems, and set up recurring payments. Turn your mobile device into a payment terminal to process transactions quickly and efficiently.

**Highlights:** Accept credit card payments, Integrate with invoicing systems, Set up recurring payments, Mobile payment terminal, Instant onboarding, Process various transaction types

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

**In-app purchases:** none


### ONE ZERO

[App page](https://appshunter.io/ios/app/one-zero/id1554109300)

This digital bank offers accounts with no maintenance fees and unique benefits designed to save users thousands annually. Enjoy high-interest deposits, fee-free foreign currency transactions, and investment opportunities. Manage all your accounts and cards in one place with AI-powered insights and expert support.

**Highlights:** No maintenance fees, High-interest deposits, Fee-free foreign currency transactions, Investment opportunities, Consolidated account management, AI-powered financial insights, 24/7 expert support

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 👍 Intuitive and efficient app
- 👍 Bank is good and advanced
- 👍 No unnecessary fees
- 👍 Well-structured package deals

**What reviewers complain about**

- ❌ No English language option
- ❌ Slow and unhelpful support
- ❌ Impossible to transfer money to oneself
- ❌ Annoying promotional notifications
- ❌ Stuck in registration loop

**Reported bugs**

- Stuck in registration loop
- App is often stuck
- App crashes
- Voice verification not working
- Document scanning errors

**Requested features**

- Add English language option
- Improve AI helper
- Add dark mode
- Add iPad version
- Option to provide feedback within the app


## Frequently asked questions

### Is PayPlus free?

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

### Is ONE ZERO free?

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

### Which has better reviews, PayPlus or ONE ZERO?

PayPlus is rated higher. PayPlus averages 5.0 out of 5 from 1 ratings, while ONE ZERO averages 3.0 from 61 ratings.

### Do PayPlus or ONE ZERO have ads?

Neither PayPlus nor ONE ZERO shows ads.

### Which is updated more often, PayPlus or ONE ZERO?

PayPlus ships an update every 5 months, and ONE ZERO every 2 weeks. Most recently, PayPlus was updated on September 30, 2026 and ONE ZERO on October 6, 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.*