Comparison

PayZen vs Stable

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

Head to head
About

PayZen

Accept payments anywhere using your smartphone or tablet. Create payment links, share them via QR code or message, and let customers pay securely online. Ideal for various sales scenarios and remote transactions.

Highlights
  • Create payment links
  • Accept payments remotely
  • QR code payment sharing
  • Multiple payment methods
  • Real-time payment tracking
  • Secure payment page
Features
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Easily cash in wherever you are with your smartphone or tablet, face to face or remotely. A cost-effective alternative to using a payment terminal and/or to offer your customers a simplified payment experience. How it works: 1. With the Payzen by Lyra application, create a payment link 2. Share it with your customer through a QR code or send it by SMS, WhatsApp, email or your favorite channel. 3. Your customer only has to click on the link or scan the QR code to make the payment on a secure web page. You can view in real time the progress of the payment requests for an optimal follow-up. An ideal solution for door-to-door sales, delivery, remote points of sale, booking by phone, invoice payment or unpaid reminders! The advantages of PayZen by Lyra: · More than 150 payment methods available (bank cards, wallet, prepaid cards, lunch vouchers, Chèques-vancance connect, sepa direct debit with e-mandate signature...) · Multi-currency with dynamic currency conversion available · Multilingual application · Multi-shops: one application to access all your shops · Ability to share the link on your other preferred and private channels such as Facebook, Messenger, Instagram, Telegram.... · Highly secure payment page: PCI DSS and 3DS2 Features in details: · Payment requests · Requests for a payment method registration · Payment and payment method registration requests · Payment status: sent, in progress, paid, cancelled, refused, expired · Details available for each payment request created · Advanced customization: link expiration date, language choice, payment validation choice (automatic or manual), capture delay · Compatible with the hosted page including data collect form · Connected with a powerful back office · Get an access to the PayZen back office with the same login/password for even more features: · Cancel, refund or duplicate payments · Accounting export · Republish a payment ticket · Advanced preferences and customization Access to this application requests to a PayZen subscription including payment orders and a distance contract. It can be used in addition to a website or on its own. About PayZen PayZen is a solution published by the Lyra Group, expert and leader in secure payments. Founded in 2001, Lyra has an international presence through its 11 subsidiaries and manages: · + 250,000 e-commerce sites worldwide · + 20 billion payments per year · + 4 million payment terminals worldwide Its services are PCI DSS, PCI 3DS, Visa, MasterCard certified and approved by the GIE Cartes Bancaires.

About

Stable

This app offers a modern approach to financial transactions, bridging everyday use with blockchain technology. It enables global card usage, peer-to-peer transfers, remittances, and currency exchanges, all powered by a secure stablecoin basket.

Highlights
  • Worldwide card use
  • Peer-to-peer transactions
  • Remittances
  • Fiat currency deposits/withdrawals
  • Blockchain-based stablecoin basket
  • Global financial freedom
Features
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Stable is a bridge between common financial uses and blockchain. A modern version of cash & card use. Lifestyle combined with global financial freedom. Stable provides worldwide card use, peer 2 peer transactions, remittances, and deposits/withdrawals in any fiat currency. Our blockchain-based technology creates the best risk dispersion mechanism among a thoroughly selected basket of stablecoins. A Stable currency for your day-to-day use. Initially, B2B crossborder companies/B2C banked Latam.

Screenshots

PayZen4 screens
Stable4 screens

Verdict

The call

The clearest difference is rating: Stable at 4.8 against PayZen's 1.0. Stable also leads on update cadence (every 2 weeks vs every 3 months) and ratings volume (34 vs 3). PayZen's advantage is review sentiment (20% vs 0%). 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

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

Stable holds the better App Store score, 4.8 against 1.0. That said, the two scores are not equally well evidenced: Stable has 34 ratings behind it against 3, so its average is the more settled of the two. Written reviews complicate that: 20% of PayZen's written reviews are positive against 0% of Stable's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

PayZen ships an update every 3 months, Stable every 2 weeks. The most recent releases landed on October 6, 2026 and October 3, 2026 respectively.

Scorecard4 real differences · 6 level
PayZen versus Stable: the parameters behind the verdict, then further details
ParameterPayZenStable
PriceFreeFree
Rating1.0 (3 ratings)4.8 (34 ratings) — better
Positive reviews20.0% of reviews — better0.0% of reviews
Number of ratings334 — better
Update frequencyEvery 3 monthsEvery 2 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad — betteriPhone
Requires iOS16.416.4
Further details — not scored
Size64 MB120 MB
Age rating4+4+
DeveloperLyra NetworkStable App

Customer experience

PayZen

All ratings3 ratings
Positive0.0%
Neutral0.0%
Negative100.0%
Written reviews5 reviews
Positive20.0%
Neutral0.0%
Negative80.0%

Stable

All ratings34 ratings
Positive94.1%
Neutral0.0%
Negative5.9%
Written reviews1 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

In-app purchases

None

PayZen

No in-app purchases

None

Stable

No in-app purchases

Questions

Is PayZen free?
PayZen is free to download, with no in-app purchases.
Is Stable free?
Stable is free to download, with no in-app purchases.
Which has better reviews, PayZen or Stable?
Stable is rated higher. PayZen averages 1.0 out of 5 from 3 ratings, while Stable averages 4.8 from 34 ratings.
Do PayZen or Stable have ads?
Neither PayZen nor Stable shows ads.
Which is updated more often, PayZen or Stable?
PayZen ships an update every 3 months, and Stable every 2 weeks. Most recently, PayZen was updated on October 6, 2026 and Stable on October 3, 2026.

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