Comparison

Card Pay Wallet vs Paymo

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

Head to head
About

Card Pay Wallet

Securely manage prepaid cards and track cryptocurrency balances. Confirm transactions using biometric authentication and view a comprehensive activity log. Enjoy DeFi payments without needing to understand crypto intricacies.

Highlights
  • Secure crypto payments
  • Prepaid card management
  • Cryptocurrency balance tracking
  • Biometric transaction confirmation
  • Activity log
Features
Read full description

This is your Card Pay Wallet for secure payments—where you can use crypto without even knowing it! Manage your prepaid cards Keep track of your crypto balances Confirm transactions via Touch ID or Face ID See a complete list of your activities

About

Paymo

A modern banking app designed for younger users, offering a simple, bold, and fun approach to managing finances. It focuses on social features to enhance the banking experience.

Highlights
  • Social banking features
  • Simple interface
  • Bold design
  • Fun user experience
  • Next-generation banking
Features
Read full description

Paymo is a money app built around your people and plans. Send money to any bank for free, split bills with friends, pay with any Raast QR, and keep your bills, top ups, events and gift cards in one place. Send to any bank. Free, always. Send money to any bank account or Paymo user, instantly over Raast. No fees on transfers. Split it. Settle it. Make a group for a trip, a dinner or the rent. Add a bill, choose who is in, and Paymo works out each share. Everyone can see who has paid, and a reminder does the chasing for you. Scan and pay Pay at shops or send to friends with any Raast QR code. Bills, top ups and packages Pay your electricity, gas, internet and phone bills. Top up any mobile number and buy mobile packages. Events and gift cards Book tickets to concerts, comedy nights and festivals, and keep them in Apple Wallet. Buy gift cards for gaming, streaming and shopping, paid in rupees. See where it all goes Your activity month by month, money in and out, and a breakdown of your spending by category. Open your account in the app No forms, no branch, no paperwork. Verify your ID with your CNIC and fingerprint, all in the app. Adding money Open your bank's app, select Digitt+ in your bank's transfer list, and send money to your Paymo account number. You'll find it in the app under Add Money. Your account, protected Payments are approved with your MPIN, and Paymo will never ask you for your MPIN or OTP. Paymo runs on Digitt+, an Electronic Money Institution licensed by the State Bank of Pakistan. Your Paymo card is coming Join the waitlist in the app. Questions? Message us on WhatsApp at +92 343 5185968 or email team@paymo.com.pk.

Screenshots

Card Pay Wallet4 screens
Paymo4 screens

Verdict

The call

The clearest difference is in-app purchases: Paymo at none against Card Pay Wallet's 1. Card Pay Wallet's advantage is ratings volume (7 vs 1) and iOS requirement (13.0 vs 15.5). On price, rating, update cadence and ads 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. Card Pay Wallet sells 1 one-off in-app purchase. Paymo asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 5.0 for Card Pay Wallet against 5.0 for Paymo. That said, the two scores are not equally well evidenced: Card Pay Wallet has 7 ratings behind it against 1, so its average is the more settled of the two.

UpkeepUpdate frequency

Card Pay Wallet ships an update every 3 weeks, Paymo every 5 weeks. Both last shipped on November 3, 2026.

Scorecard4 real differences · 6 level
Card Pay Wallet versus Paymo: the parameters behind the verdict, then further details
ParameterCard Pay WalletPaymo
PriceFreeFree
Rating5.0 (7 ratings)5.0 (1 ratings)
Positive reviews100.0% of reviews—
Number of ratings7 — better1
Update frequencyEvery 3 weeks — betterEvery 5 weeks
AdsNoNo
In-app purchasesYesNo — better
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPodiPhone, iPod
Requires iOS13.0 — better15.5
Further details — not scored
Size54 MB116 MB
Age rating4+4+
DeveloperCARDSTACK SERVICES PTE. LTD.Card Technologies (Private) Limited

Customer experience

Card Pay Wallet

All ratings7 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews2 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Paymo

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

1 purchases

Card Pay Wallet

One-time1
  • Account on Gnosis Chain$0.99
None

Paymo

No in-app purchases

Questions

Is Card Pay Wallet free?
Card Pay Wallet is free to download, with in-app purchases available.
Is Paymo free?
Paymo is free to download, with no in-app purchases.
Which has better reviews, Card Pay Wallet or Paymo?
Card Pay Wallet and Paymo are both rated 5.0 out of 5 on the App Store, from 7 and 1 ratings respectively.
Do Card Pay Wallet or Paymo have ads?
Neither Card Pay Wallet nor Paymo shows ads.
Which is updated more often, Card Pay Wallet or Paymo?
Card Pay Wallet ships an update every 3 weeks, and Paymo every 5 weeks. Most recently, Card Pay Wallet was updated on November 3, 2026 and Paymo on November 3, 2026.

Other comparisons