# Pichincha Token vs PayMon

The clearest difference is rating: PayMon at 4.0 against Pichincha Token's 3.0. PayMon also leads on update cadence (every 4 days vs every 2 months). On price, ratings volume, ads and in-app purchases there is nothing between them.

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

PayMon holds the better App Store score, 4.0 against 3.0. Both are backed by a comparable volume of ratings — 4 and 4 respectively.

Pichincha Token ships an update every 2 months, PayMon every 4 days. The most recent releases landed on October 21, 2026 and October 15, 2026 respectively.

## The numbers

| Metric | Pichincha Token | PayMon |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.0 (4 ratings)](https://appshunter.io/ios/app/pichincha-token/id1537139058/reviews) | **[4.0 (4 ratings)](https://appshunter.io/ios/app/paymon/id1610411512/reviews)** |
| Number of ratings | 4 | 4 |
| Positive reviews | — | 52.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 4 days** |
| Monetization | Free | Free |
| Size | 32 MB | 81 MB |
| Requires iOS | 15.1 | **15.0** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Banco Pichincha C.A.](https://appshunter.io/developer/996224555) | [PayMon Inc](https://appshunter.io/developer/1610411514) |

## What reviewers say

### Pichincha Token

[App page](https://appshunter.io/ios/app/pichincha-token/id1537139058)

This app provides specialized banking services for businesses to manage liquidity and achieve growth. It enables secure online banking operations by generating security codes to approve transactions.

**Highlights:** Business liquidity management, Secure online banking, Transaction approval codes, Growth support for companies, Cash Management service integration

**Features:** macOS Compatibility

**In-app purchases:** none


### PayMon

[App page](https://appshunter.io/ios/app/paymon/id1610411512)

This all-in-one platform simplifies school payments, including cafeteria, transport, and extracurricular activities. Parents can manage spending, view transaction history, and make purchases digitally, eliminating the need for cash.

**Highlights:** Digital school payments, QR code and contactless payments, Parental spending limits, Real-time transaction history, School community payment solution, Pre-purchase options

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

**In-app purchases:** none


## Frequently asked questions

### Is Pichincha Token free?

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

### Is PayMon free?

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

### Which has better reviews, Pichincha Token or PayMon?

PayMon is rated higher. Pichincha Token averages 3.0 out of 5 from 4 ratings, while PayMon averages 4.0 from 4 ratings.

### Do Pichincha Token or PayMon have ads?

Neither Pichincha Token nor PayMon shows ads.

### Which is updated more often, Pichincha Token or PayMon?

Pichincha Token ships an update every 2 months, and PayMon every 4 days. Most recently, Pichincha Token was updated on October 21, 2026 and PayMon on October 15, 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.*