# ZaPay vs PayNote

The clearest difference is review sentiment: PayNote at 100% against ZaPay's 50%. PayNote also leads on update cadence (every 5 months vs every 11 months). ZaPay's advantage is iOS requirement (13.0 vs 16.6). On price, ads, in-app purchases and monetization model there is nothing between them.

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

ZaPay ships an update every 11 months, PayNote every 5 months. The most recent releases landed on November 3, 2026 and October 30, 2026 respectively.

## The numbers

| Metric | ZaPay | PayNote |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.7 (3 ratings)](https://appshunter.io/ios/app/zapay/id1632479997/reviews)** | — |
| Number of ratings | **3** | — |
| Positive reviews | 50.0% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 11 months | **Every 5 months** |
| Monetization | Free | Free |
| Size | 27 MB | 35 MB |
| Requires iOS | **13.0** | 16.6 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 4+ | 4+ |
| Developer | [ZaPay LLC](https://appshunter.io/developer/1632479999) | [SeungSeop Lim](https://appshunter.io/developer/1711312835) |

## What reviewers say

### ZaPay

[App page](https://appshunter.io/ios/app/zapay/id1632479997)

This app facilitates peer-to-peer lending among friends and family, offering automated payments and scheduled payback dates. It includes in-app chat for communication and a transaction history to track all financial exchanges.

**Highlights:** Automated payments, Scheduled payback dates, In-app chat, Transaction history, Star rating system

**In-app purchases:** none


### PayNote

[App page](https://appshunter.io/ios/app/paynote-smart-money-managing/id6741191038)

Easily track money you've borrowed or lent to others. Record transaction details, set repayment dates, and add memos for clarity. The intuitive design makes managing your finances simple.

**Highlights:** Manage borrowed and lent money, Record transaction details, Set repayment deadlines, Distinguish transaction status, Add memos for details, Intuitive and user-friendly design

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is ZaPay free?

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

### Is PayNote free?

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

### Do ZaPay or PayNote have ads?

Neither ZaPay nor PayNote shows ads.

### Which is updated more often, ZaPay or PayNote?

ZaPay ships an update every 11 months, and PayNote every 5 months. Most recently, ZaPay was updated on November 3, 2026 and PayNote on October 30, 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.*