# PAYARC vs Zulio

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.

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.

## The numbers

| Metric | PAYARC | Zulio |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (6 ratings)](https://appshunter.io/ios/app/payarc/id1544074669/reviews)** | [4.1 (10 ratings)](https://appshunter.io/ios/app/zulio/id6446093895/reviews) |
| Number of ratings | 6 | **10** |
| Positive reviews | 50.0% of reviews | 50.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 5 weeks | **Every 3 weeks** |
| Monetization | Free | Free |
| Size | 62 MB | 62 MB |
| Requires iOS | **12.0** | 15.4 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [PAYARC LLC](https://appshunter.io/developer/1544074671) | [Provident Payments Central LLC](https://appshunter.io/developer/1675895508) |

## What reviewers say

### PAYARC

[App page](https://appshunter.io/ios/app/payarc/id1544074669)

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.

**Highlights:** 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

**Features:** Vision Pro support

**In-app purchases:** none


### Zulio

[App page](https://appshunter.io/ios/app/zulio/id6446093895)

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.

**Highlights:** Accept card payments, No processing fees, Auto-calculate fees, Offer cash discounts, Send invoices, Clean reporting, Personal customer support

**Features:** Apple Wallet

**In-app purchases:** none


## Frequently asked questions

### Is PAYARC free?

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

### Is Zulio free?

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

### Which has better reviews, PAYARC or Zulio?

PAYARC is rated higher. PAYARC averages 5.0 out of 5 from 6 ratings, while Zulio averages 4.1 from 10 ratings.

### Do PAYARC or Zulio have ads?

Neither PAYARC nor Zulio shows ads.

### Which is updated more often, PAYARC or Zulio?

PAYARC ships an update every 5 weeks, and Zulio every 3 weeks. Most recently, PAYARC was updated on September 16, 2026 and Zulio on September 28, 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.*