PayCentral vs PayoCard
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
PayCentral
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PayCentral are leaders in prepaid payment solutions and specialise in creating industry specific debit cards that allow businesses to pay, incentivise and reward their staff or consumers. Our secure online platform allows business owners to make payments using an alternative payment mechanism. Card holders are able to store and spend their money with ease in a cost-effective environment. We work together with our clients to create customised solutions which enable them to easily manage, monitor and effectively control funds which used in their business operations. PayCentral has significant expertise in the rewards and incentive market and our products can be used across all industries. Our cards are powered by MasterCard and Standard Bank, providing much needed national coverage for all cardholders. PayCentral is a proudly South African Level 1 B-BBEE company, operating out of Johannesburg and Lusaka. We have a firm commitment to empowering individuals and doing our bit to make a difference in disadvantaged communities. INSTANT. ANYWHERE. ANYTIME.
PayoCard
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PayoCard is a simple, secure, and convenient way to manage your digital card—designed specifically for users who receive cards through Programme Management partners. With PayoCard, you can: * Instantly view your card balance and transaction history * Access real-time statements * Secure your card with features like block/unblock and PIN control Whether you're using a prepaid, gift, or employee card—PayoCard gives you full visibility and control, all in one place.
Screenshots
Verdict
The clearest difference is iOS requirement: PayoCard at 13.0 against PayCentral's 15.1. On price, update cadence, ads and in-app purchases there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
PayCentral ships an update monthly, PayoCard every 2 months. The most recent releases landed on October 6, 2026 and October 14, 2026 respectively.
| Parameter | PayCentral | PayoCard |
|---|---|---|
| Price | Free | Free |
| Update frequency | Monthly — better | Every 2 months |
| Ads | No | No |
| In-app purchases | No | No |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 15.1 | 13.0 — better |
| Further details — not scored | ||
| Size | 46 MB | 40 MB |
| Age rating | 4+ | 4+ |
| Developer | PayCentral (Pty) Ltd | MeaWallet AS |
In-app purchases
PayCentral
No in-app purchases
PayoCard
No in-app purchases









