PAYARC vs Zulio
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
PAYARC
Process payments securely from your mobile device. Manage your business remotely with features like transaction management, refunds, and real-time sales monitoring. Send digital receipts to customers and settle transactions with ease.
- Manually key in transactions
- Issue customer refunds
- Add tips to transactions
- Sign on screen
- Email or SMS customer receipts
- Monitor real-time sales data
- Settle transactions
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Take payments on the go with the PAYARC mobile app. With advanced features that allow you to manage your business remotely, you can be in control of your business anywhere. Take secure encrypted payments, issue refunds, and monitor real-time sales data. Key Features: - Manually key in transactions - Issue customer refunds - Add tips to transactions - Sign on screen - Email or SMS customer receipts - View completed transactions instantly - Settle transactions whenever needed with just a click of a button - Plus many other features
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 rating: PAYARC at 5.0 against Zulio's 4.1. PAYARC also leads on iOS requirement (12.0 vs 15.4). On price, review sentiment, ratings volume and update cadence 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.
PAYARC holds the better App Store score, 5.0 against 4.1. Both are backed by a comparable volume of ratings — 6 and 10 respectively. Written reviews split almost evenly too, at 50% and 50% positive.
PAYARC ships an update every 5 weeks, Zulio every 3 weeks. The most recent releases landed on September 16, 2026 and September 28, 2026 respectively.
| Parameter | PAYARC | Zulio |
|---|---|---|
| Price | Free | Free |
| Rating | 5.0 (6 ratings) — better | 4.1 (10 ratings) |
| Positive reviews | 50.0% of reviews | 50.0% of reviews |
| Number of ratings | 6 | 10 — better |
| Update frequency | Every 5 weeks | Every 3 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 12.0 — better | 15.4 |
| Further details — not scored | ||
| Size | 62 MB | 62 MB |
| Age rating | 4+ | 4+ |
| Developer | PAYARC LLC | Provident Payments Central LLC |
Customer experience
PAYARC
Zulio
In-app purchases
PAYARC
No in-app purchases
Zulio
No in-app purchases
