Comparison

PaymentWiser vs RayGO

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

Head to head
About

PaymentWiser

Accept credit card payments on the go and online with a simple, intuitive app. It replaces traditional terminals and card readers, offering a low additional fee on top of standard processing charges. Securely process transactions, generate payment links, and manage tips and receipts.

Highlights
  • Accept credit card payments
  • Replaces credit card terminals
  • Low additional fee (0.1%)
  • Create payment links
  • Built-in fraud detection
  • Multi-currency support
  • Tap to Pay on iPhone
Features
Read full description

PaymentWiser is a payment app that saves your money with only 0.5% additional fee. It replaces your credit card terminal and card reader with a simple, intuitive way to accept credit card payments on the go & online! If you're looking for a simple POS or point of sale, an alternative credit card reader, or for a better payment app to help with credit card processing, we've got you covered! As a no-code Stripe Terminal partner, your business can use any of the supported Stripe Terminals, in any of the supported Stripe countries to start collecting payments without a single line of code. Additionally, PaymentWiser supports Tap to Pay on iPhone; which turns an iPhone into a contactless (credit card or mobile wallet) payment terminal. - Works With Stripe If you already work with the best payments platform on the planet, sign in with your Stripe payments account, let us do some magic with Stripe Connect, and you’re up and running! - Create charges in under 30 seconds Tap out an amount, type a credit card number, and hit charge. - 0.1% additional fee, less than 100% of other apps There are no setup fees, no monthly charges, no minimums or no limits. You only pay 0.1% additional fee on top of Stripe’s standard fees. - Create a payment link and share it everywhere Share your paymentlinks in emails, text messages, or all over social media. Accept secure payments from multiple online channels and customers. Easy online sharing lets you reach lots of potential customers with a single link. - Built-in fraud detection & security Automatically evaluate charges for fraud risk and block those fraudulent. - Multi Currency Charge in over 135 currencies. Let customers pay in their native currency, you get paid in yours. - Tips & Receipts An easy interface that you can hand to your customer for them to add percentage based tips! Receipts will be sent to your customers' email address automatically. - SCA-Ready to meet Europe's PSD2 regulations With built in support for 3D Secure 2, we've got Secure Customer Authentication covered. OTP, password, or biometric, let your customers choose! - More Software, Less Hardware A simpler alternative to Square Point of Sale, Clover Go and Quickbooks GoPayment

About

RayGO

Features
Read full description

RayGO is an all-in-one delivery, transportation, and multi-services platform designed to simplify everyday life. Order food, request deliveries, book taxi rides, track your requests in real time, and access multiple services directly from your mobile device. Main Features: • Food and order delivery • Taxi and transportation services • Multi-service booking system • Real-time order and delivery tracking • Wallet and secure payment integration • Notifications and request updates • Vendor and service provider marketplace • Customer support and complaint management • Modern and user-friendly interface RayGO connects customers, drivers, vendors, and service providers through a fast, secure, and scalable platform powered by modern cloud technologies. Whether you need food delivery, transportation, or on-demand services, RayGO helps you manage everything in one place. Powered by LOVELTECH.

Screenshots

PaymentWiser4 screens
RayGO3 screens

Verdict

The call

PaymentWiser and RayGO 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

Both ship on a similar rhythm, roughly weekly. The most recent releases landed on November 3, 2026 and November 9, 2026 respectively.

ScorecardNo meaningful differences
PaymentWiser versus RayGO: the parameters behind the verdict, then further details
ParameterPaymentWiserRayGO
PriceFreeFree
Rating4.8 (56 ratings) — better—
Positive reviews50.0% of reviews—
Number of ratings56 — better—
Update frequencyWeeklyWeekly
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.015.0
Further details — not scored
Size65 MB140 MB
Age rating4+4+
DeveloperPacket Flow Network Technology Co,.LtdLOVELTECH LLC

In-app purchases

None

PaymentWiser

No in-app purchases

None

RayGO

No in-app purchases

Questions

Is PaymentWiser free?
PaymentWiser is free to download, with no in-app purchases.
Is RayGO free?
RayGO is free to download, with no in-app purchases.
Do PaymentWiser or RayGO have ads?
Neither PaymentWiser nor RayGO shows ads.
Which is updated more often, PaymentWiser or RayGO?
PaymentWiser ships an update weekly, and RayGO weekly. Most recently, PaymentWiser was updated on November 3, 2026 and RayGO on November 9, 2026.

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