Comparison

PayCentral vs PayoCard

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

PayCentral

Features
Read full description

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.

About

PayoCard

Features
Read full description

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

PayCentral3 screens
PayoCard3 screens

Verdict

The call

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

CostPrice · In-app purchases · Ads · Monetization

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

UpkeepUpdate frequency

PayCentral ships an update monthly, PayoCard every 2 months. The most recent releases landed on October 6, 2026 and October 14, 2026 respectively.

Scorecard1 real difference · 5 level
PayCentral versus PayoCard: the parameters behind the verdict, then further details
ParameterPayCentralPayoCard
PriceFreeFree
Update frequencyMonthly — betterEvery 2 months
AdsNoNo
In-app purchasesNoNo
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS15.113.0 — better
Further details — not scored
Size46 MB40 MB
Age rating4+4+
DeveloperPayCentral (Pty) LtdMeaWallet AS

In-app purchases

None

PayCentral

No in-app purchases

None

PayoCard

No in-app purchases

Questions

Is PayCentral free?
PayCentral is free to download, with no in-app purchases.
Is PayoCard free?
PayoCard is free to download, with no in-app purchases.
Do PayCentral or PayoCard have ads?
Neither PayCentral nor PayoCard shows ads.
Which is updated more often, PayCentral or PayoCard?
PayCentral ships an update monthly, and PayoCard every 2 months. Most recently, PayCentral was updated on October 6, 2026 and PayoCard on October 14, 2026.

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