# medZERO vs TempoPay

medZERO and TempoPay are too close to call on the numbers: across 10 compared parameters — price, rating, review sentiment and ratings volume among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.

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

On the App Store both sit at effectively the same score — 5.0 for medZERO against 5.0 for TempoPay. Both are backed by a comparable volume of ratings — 6 and 8 respectively. Written reviews split almost evenly too, at 100% and 100% positive.

medZERO ships an update fortnightly, TempoPay every 3 weeks. The most recent releases landed on October 7, 2026 and October 4, 2026 respectively.

## The numbers

| Metric | medZERO | TempoPay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [5.0 (6 ratings)](https://appshunter.io/ios/app/medzero/id1596864661/reviews) | [5.0 (8 ratings)](https://appshunter.io/ios/app/tempopay/id1642793608/reviews) |
| Number of ratings | 6 | **8** |
| Positive reviews | 100.0% of reviews | 100.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Every 3 weeks |
| Monetization | Free | Free |
| Size | 26 MB | 59 MB |
| Requires iOS | 15.6 | **15.1** |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 17+ |
| Developer | [medZERO, Inc.](https://appshunter.io/developer/1595190478) | [TempoPay Inc.](https://appshunter.io/developer/1642793610) |

## What reviewers say

### medZERO

[App page](https://appshunter.io/ios/app/medzero/id1596864661)

Access funds instantly to cover out-of-pocket healthcare costs over time. Enjoy zero interest and zero fees on eligible expenses like glasses or past medical bills. Enrollment takes under 5 minutes.

**Highlights:** On-demand access to funds, Pay for healthcare expenses over time, Zero interest financing, Zero fees, Quick enrollment (under 5 minutes), Account information at your fingertips

**Features:** macOS Compatibility

**In-app purchases:** none


### TempoPay

[App page](https://appshunter.io/ios/app/tempopay/id1642793608)

This app offers a flexible payment solution for healthcare expenses, partnering with employers to provide interest-free and fee-free options. It allows users to access care immediately and choose repayment schedules up to 12 months, linked to payroll or bank accounts.

**Highlights:** 0% interest healthcare payments, No fee payment solution, Flexible repayment schedules up to 12 months, Pay for medical, pharmacy, vision, dental expenses, Linked to payroll or personal bank account

**Features:** Apple Wallet

**In-app purchases:** none


## Frequently asked questions

### Is medZERO free?

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

### Is TempoPay free?

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

### Which has better reviews, medZERO or TempoPay?

medZERO and TempoPay are both rated 5.0 out of 5 on the App Store, from 6 and 8 ratings respectively.

### Do medZERO or TempoPay have ads?

Neither medZERO nor TempoPay shows ads.

### Which is updated more often, medZERO or TempoPay?

medZERO ships an update fortnightly, and TempoPay every 3 weeks. Most recently, medZERO was updated on October 7, 2026 and TempoPay on October 4, 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.*