FPN Mobile vs Zulio
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
FPN Mobile
Accept credit card payments on the go with this mobile processing system. Connect a Bluetooth EMV reader to your Apple device for low rates. Designed specifically for franchises, it offers expert consultation on payment processing.
- Accept credit card payments
- Mobile EMV reader connectivity
- Bluetooth connection
- Low processing rates
- Franchise-specific solutions
- Expert payment processing consultation
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If you need to accept payments on the go, then FPN Mobile Processing is for you! By adding the FREE mobile app to any Apple device you can connect the mobile EMV (Euro MasterCard and Visa) reader via Bluetooth to ensure you get the very lowest rates possible. Franchise Payments Network (FPN) is the only credit card processor dedicated solely to the franchise space. Founded in early 2006 by Certified Franchise Executives, FPN has carved out a top role in the processing space. The founding members and executive team have decades of experience in credit card processing and have worked with over 180 franchise brands. As an Entrepreneur Magazine's Top 10 Franchise Supplier, FPN is committed to consulting with owners to help them understand payment processing better and to assist them with the start-up or conversion to FPN.
Zulio
Empower your business to accept card payments without incurring additional costs. This app allows you to automatically include credit card fees in your pricing and offer cash discounts. Enjoy no processing fees, simple reporting, and dedicated customer support.
- Accept card payments
- No processing fees
- Auto-calculate fees
- Offer cash discounts
- Send invoices
- Clean reporting
- Personal customer support
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Give customers choice in how they pay without increasing your costs. Accepting card payments using traditional processors with high fees, and complicated PCI requirements can feel unfair. You shouldn't have to pay another “gross income tax” to get paid for the work you do. Auto calculate and include the credit card fee in your regular price and offer discount for paying with cash. No Processing Fees Accept Payments Send Invoices Personal Customer Support No Annual PCI Requirements Clean reporting. Keep 100% of everything that hits your account.
Screenshots
Verdict
The clearest difference is review sentiment: Zulio at 50% against FPN Mobile's 0%. Zulio also leads on rating (3.8 vs 1.5) and update cadence (every 3 weeks vs every 11 months). FPN Mobile's advantage is iOS requirement (11.0 vs 15.4). On price, ads, in-app purchases and monetization model 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.
Zulio holds the better App Store score, 3.8 against 1.5. That said, the two scores are not equally well evidenced: Zulio has 11 ratings behind it against 2, so its average is the more settled of the two. Written reviews point the same way: 0% of FPN Mobile's written reviews are positive against 50% of Zulio's.
FPN Mobile ships an update every 11 months, Zulio every 3 weeks. Both last shipped on October 24, 2026.
| Parameter | FPN Mobile | Zulio |
|---|---|---|
| Price | Free | Free |
| Rating | 1.5 (2 ratings) | 3.8 (11 ratings) — better |
| Positive reviews | 0.0% of reviews | 50.0% of reviews — better |
| Number of ratings | 2 | 11 — better |
| Update frequency | Every 11 months | Every 3 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 11.0 — better | 15.4 |
| Further details — not scored | ||
| Size | 97 MB | 62 MB |
| Age rating | 4+ | 4+ |
| Developer | USAePay | Provident Payments Central LLC |
Customer experience
FPN Mobile
Zulio
In-app purchases
FPN Mobile
No in-app purchases
Zulio
No in-app purchases
