Comparison

Kadmos vs Pagarva

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

Head to head
About

Kadmos

Receive your salary instantly and send money to loved ones abroad. This app offers transparent foreign exchange rates and aims to provide greater control over your finances. An upcoming debit card will allow for on-the-go spending.

Highlights
  • Instant salary reception
  • International money transfers
  • Transparent foreign exchange rates
  • Upcoming debit card
  • Control over finances
Features
Read full description

Kadmos completely changes the way international workers get paid! With the Kadmos App you get your salary instantly and can send that money home to your loved ones, as well as spend on the go with our upcoming debit card. Say goodbye to days of waiting before receiving your salary, to lack of transparency and stuck payments, to terrible foreign exchanges rates that make you lose lots of money. We give you back control of your finances, and with it the amazing flexibility of the latest technologies in Germany, to make your life and the lives of the people that you care for, easier and better. --Getting started-- Ask your employer if they already support Kadmos. If yes, great! All you need is an invitation and you are ready within minutes. With the next payment cycle you will then get paid through Kadmos, with all our benefits. If your employer does not work with us yet then it's time to tell them about Kadmos. https://www.kadmos.io/imprint

About

Pagarva

This app streamlines payment acceptance for micro-businesses in America, offering instant deposits and supporting a wide range of payment methods. It provides a professional solution without the complexity of enterprise tools or the informality of personal apps.

Highlights
  • Accept payments from multiple methods
  • Instant deposits to bank account
  • Professional interface for micro-businesses
  • Customer or business pays transaction fees
  • Multilingual support
  • Organized income tracking
Features
Read full description

All payments. Instant deposits. One app. Stop duct-taping payment apps. Get paid like a pro with a tool built for how you actually work. Pagarva is a professional payment app built specifically for micro-businesses in America. You no longer have to choose between enterprise tools that are complex, expensive, and slow, or personal apps that feel informal and unprofessional. We bridge both worlds, so you don’t have to. With Pagarva, you run your business the way it actually works. Payment Methods Accept payments from any method supported by the platform, immediately. As of today, you can accept: • Apple Pay • Google Pay • Cash App • Link • Zelle (QR Code) • PIX • All cards • Venmo • PayPal • PayPal Pay Later • Klarna • Affirm • USDC • Samsung Pay Instant Payouts Funds land directly in your bank account, not a wallet, not a balance you have to move later. Always. Simple One app. One price. All payment methods. Always instant. No hardware. No subscription. Your customers don’t need Pagarva to pay you. You’re in control Choose who covers transaction fees with a simple toggle. Toggle left, you pay. Toggle right, they pay. Your language Use the app in your language while customers pay in theirs. No misunderstanding. Keep everything in one place All your income is automatically organized on a single page, ready to review or export. Who Pagarva is for Small businesses that need to look professional without giving up flexibility. Pricing 3.5% + $0.30 per successful transaction. That’s it. This cost can be zero if you use our Dual Price feature to pass transaction fees on to your customers, as many businesses already do.

Screenshots

Kadmos4 screens
Pagarva4 screens

Verdict

The call

Kadmos and Pagarva both sit at 5.0 stars, but that hides the real split: 100% of Pagarva's written reviews are positive against 55% of Kadmos's. Pagarva also leads on monetization model (free vs ad-supported). Kadmos's advantage is iOS requirement (15.1 vs 18.0). On price, rating, 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

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

On the App Store both sit at effectively the same score — 5.0 for Kadmos against 5.0 for Pagarva. Both are backed by a comparable volume of ratings — 4 and 3 respectively. Written reviews are what separate them: 55% of Kadmos's written reviews are positive against 100% of Pagarva's.

UpkeepUpdate frequency

Both ship on a similar rhythm, roughly every 3 weeks. The most recent releases landed on September 8, 2026 and September 15, 2026 respectively.

Scorecard3 real differences · 7 level
Kadmos versus Pagarva: the parameters behind the verdict, then further details
ParameterKadmosPagarva
PriceFreeFree
Rating5.0 (4 ratings)5.0 (3 ratings)
Positive reviews54.5% of reviews100.0% of reviews — better
Number of ratings4 — better3
Update frequencyEvery 3 weeksEvery 3 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationAd-supportedFree — better
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS15.1 — better18.0
Further details — not scored
Size53 MB108 MB
Age rating4+17+
DeveloperKadmos GmbHPAGARVA INC

Customer experience

Kadmos

All ratings4 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews11 reviews
Positive54.5%
Neutral9.1%
Negative36.4%

Pagarva

All ratings3 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

Kadmos

No in-app purchases

None

Pagarva

No in-app purchases

Questions

Is Kadmos free?
Kadmos is free to download, with no in-app purchases.
Is Pagarva free?
Pagarva is free to download, with no in-app purchases.
Which has better reviews, Kadmos or Pagarva?
Kadmos and Pagarva are both rated 5.0 out of 5 on the App Store, from 4 and 3 ratings respectively.
Do Kadmos or Pagarva have ads?
Neither Kadmos nor Pagarva shows ads.
Which is updated more often, Kadmos or Pagarva?
Kadmos ships an update every 3 weeks, and Pagarva every 3 weeks. Most recently, Kadmos was updated on September 8, 2026 and Pagarva on September 15, 2026.

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