Comparison

Paytend Pay vs YowPay Mobile

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

Head to head
About

Paytend Pay

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Paytend Pay is a secure account and service management app for businesses using the Paytend payment ecosystem. Paytend Pay focuses on account access, subscription management, and profile administration, enabling users to manage their Paytend services conveniently from their iPhone. Paytend provides online and in-store payment acquiring solutions, including card payments and global e-commerce services. Direct payment processing is not available within the app at this time. Payments can currently be completed via Paytend payment links. Additional payment-related features are planned for future updates. Apply here - https://merchant.paytend.com/user/register

About

YowPay Mobile

This app simplifies peer-to-peer SEPA payments by turning your mobile device into a payment terminal. It generates QR codes for clients to scan with their banking apps, facilitating instant SEPA transfers directly to your business account without touching merchant funds.

Highlights
  • Peer-to-peer SEPA payments
  • Mobile payment terminal
  • QR code payment generation
  • Instant SEPA transfers
  • Direct business account funding
  • Open Banking integration
Features
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Welcome to YowPay, Peer to Peer SEPA Payments made easy. Turn your mobile phone into a payment terminal Receive direct SEPA Payments via QRCODE Using your usual business account, receiving funds directly from the end users, YowPay is facilitating Instant SEPA Payments. How YowPay works ? YowPay generates a QRCODE The client scans it from its usual mobile banking application and confirms the transfer YowPay parses the merchant’s business account using Open Banking YowPay sends a notification on the merchant’s system to confirm the incoming payment Why YowPay is different ? High conversion ratio: there is no country selector, then bank selector and a lost client without id user/pass memorized which leads to an abondon of transaction The client uses its usual mobile banking application Fast and secure settlement: YowPay doesn’t touch merchants funds, the money flows is directly from the client to the merchant. Simple pricing: by transaction, no setup, no monthly fees Quick onboarding: start processing immediately, no long approval process like with card acquirers.

Screenshots

Paytend Pay4 screens
YowPay Mobile4 screens

Verdict

The call

Paytend Pay and YowPay Mobile are too close to call on the numbers: across 6 compared parameters — price, update cadence, ads and in-app purchases among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

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

Paytend Pay ships an update every 4 weeks, YowPay Mobile every 3 weeks. The most recent releases landed on October 11, 2026 and October 8, 2026 respectively.

ScorecardNo meaningful differences
Paytend Pay versus YowPay Mobile: the parameters behind the verdict, then further details
ParameterPaytend PayYowPay Mobile
PriceFreeFree
Rating—2.0 (1 ratings) — better
Number of ratings—1 — better
Update frequencyEvery 4 weeksEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
Monetization—Free
DevicesiPhone, iPodiPhone, iPad, iPod — better
Requires iOS13.012.0 — better
Further details — not scored
Size42 MB73 MB
Age rating4+4+
DeveloperPAYTEND EUROPE UABYowpay Luxembourg S.a.r.l.

In-app purchases

None

Paytend Pay

No in-app purchases

None

YowPay Mobile

No in-app purchases

Questions

Is Paytend Pay free?
Paytend Pay is free to download, with no in-app purchases.
Is YowPay Mobile free?
YowPay Mobile is free to download, with no in-app purchases.
Do Paytend Pay or YowPay Mobile have ads?
Neither Paytend Pay nor YowPay Mobile shows ads.
Which is updated more often, Paytend Pay or YowPay Mobile?
Paytend Pay ships an update every 4 weeks, and YowPay Mobile every 3 weeks. Most recently, Paytend Pay was updated on October 11, 2026 and YowPay Mobile on October 8, 2026.

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