Comparison

Shopify Balance vs Payability Enroll

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

Head to head
About

Shopify Balance

Manage your business finances directly from your mobile device. This app offers a free business financial account integrated with your store, allowing you to track your balance, transfer funds, get paid faster, and earn rewards on your balance.

Highlights
  • View account balance and transaction history
  • Transfer funds with zero fees
  • Get paid faster from Shopify sales
  • Earn APY rewards on account balance
  • Access virtual card and mobile payments
  • Lock and unlock cards for security
Features
Read full description

Shopify Balance is the free business financial account built right into your Shopify store’s admin. Use the Balance app to make money moves for your business—right from your mobile device. By having the financial information you need at your fingertips, you can make the best decisions for the long-term health of your business. MANAGE MONEY ANYWHERE • Stay on top of your finances by viewing your account balance and filtering your transaction history. • Transfer funds in or out to pay bills, send money, or make payments directly to vendors—with zero transfer fees. GET PAID FASTER • Get paid out from your Shopify sales up to 7 days faster than with a traditional bank. EARN ON ANY ACCOUNT BALANCE • Earn a reward in the form of an annual percentage yield (APY) on all your money in Balance.* • No limit to how much you can earn and withdraw funds at any time.* SPEND SECURELY AND CONVENIENTLY • Always have your business card handy by accessing your card number in the app or using tap to pay with your mobile wallet. • Keep your business secure with the ability to lock and unlock your cards from the palm of your hand. ---------- ABOUT SHOPIFY Shopify is a world-class commerce platform that has everything you need to start, sell, market, and manage your business. Millions of business owners from over 175 countries trust Shopify to help sell their products and services online and in-person. Shopify partners with Stripe, Inc. and affiliated companies, and financial institution partners including Fifth Third Bank N.A., Member FDIC & Celtic Bank to offer money transmission, banking & issuing services, respectively. *This is a reward provided by Shopify and is not interest. The rate is variable and subject to change without notice. The reward accrues daily, and is compounded and paid monthly in the form of a credit to your Balance account. ACH transfer limits may apply.

About

Payability Enroll

Features
Read full description

Get Instant Access to Your Amazon Earnings with Payability – No Cost Financing for the Amazon Seller Since 2015, Payability has revolutionized cash flow solutions for over 10,000 Amazon Sellers, advancing more than $6 billion in accelerated payouts. We’re committed to empowering Amazon sellers like you to grow your business seamlessly. Experience the freedom of getting paid daily from your Amazon earnings with zero additional cost. Introducing the Free Payability Mobile App – Tailored for Amazon Seller Central Users Stay ahead in the competitive world of Amazon selling with the Payability Mobile app. Designed specifically for Amazon Seller Central users, this app is your gateway to managing finances effortlessly. Gain complete control over your cash flow with these powerful features: Instant Amazon Earnings Access Check your available balance anytime. Get real-time updates on your Payability account status. 24/7 Fund Transfers, Directly from Your Phone Transfer your Amazon earnings to your bank account at your convenience. Access your funds whenever you need them. Comprehensive Financial Management Track and review your Payability Seller Card transactions. Stay updated with pending transfer requests and card transactions. The Payability Visa® Commercial Card, issued by Sutton Bank, Member FDIC, and licensed by Visa U.S.A. Inc., is powered by Marqeta. It's not just a card; it's your tool to optimize your Amazon Seller earnings. Join Thousands of Successful Amazon Sellers Step into the world of smart financing. Whether you're an established Amazon Seller or just starting with Amazon Seller Central, Payability is here to support your journey toward success. — Payability is an Amazon Seller-approved AppStore software partner. Payability is not part of the Amazon corporation.

Screenshots

Shopify Balance4 screens
Payability Enroll4 screens

Verdict

The call

The clearest difference is update cadence: Shopify Balance at weekly against Payability Enroll's every 3 weeks. Payability Enroll's advantage is device support (3 vs 1) and iOS requirement (12.0 vs 16.4). On price, ads and in-app purchases 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.

UpkeepUpdate frequency

Shopify Balance ships an update weekly, Payability Enroll every 3 weeks. The most recent releases landed on October 14, 2026 and October 15, 2026 respectively.

Scorecard3 real differences · 7 level
Shopify Balance versus Payability Enroll: the parameters behind the verdict, then further details
ParameterShopify BalancePayability Enroll
PriceFreeFree
Rating2.6 (85 ratings) — better—
Positive reviews17.4% of reviews—
Number of ratings85 — better—
Update frequencyWeekly — betterEvery 3 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhoneiPhone, iPad, iPod — better
Requires iOS16.412.0 — better
Further details — not scored
Size88 MB37 MB
Age rating4+4+
DeveloperShopify Inc.Payability Commercial Factors, LLC

Bugs and requests

Shopify Balance

Reported bugs

32 issues
  • Bill Pay feature failed to pay rent on time
  • 302 fraudulent transactions posted without warning
  • Merchant names disappeared from debit card transactions
  • Cannot transfer money to bank account
  • Cannot add card to Apple Wallet
Show 27 more
  • Bank account removed and cannot be added back
  • App not working for months
  • Cannot sign in
  • App stuck on welcome page, cannot scroll
  • Keyboard won't pop up to enter information
  • Cannot log in
  • App requires full password login every time
  • App updated, not showing money or transactions
  • App updated, no cards, balance, or transactions listed
  • Cannot move money from balance
  • App freezes when trying to view account information
  • Cannot move money from the app
  • Cannot move money on the app, only website
  • Funds unavailable for extended periods
  • Cannot set up app due to fingerprint scanner issue
  • Cannot create a card
  • App is not working
  • Face ID login option never works
  • App logs user out of Shopify store app
  • Cannot see balance on phone
  • App not working on iPhone SE
  • Cannot add bank account to move money
  • App does not show account and routing number properly
  • App won't let me withdrawal money
  • Cannot figure out how to move money into the Shopify account
  • Recent transactions not showing
  • No emails verifying transactions

Requested features

9 requests
  • Add Zelle integration
  • Allow connected accounts to have nicknames
  • Improve UI for managing multiple accounts
  • Make app compatible with iPad
  • Add instant transfer method
Show 4 more
  • Allow cancellation of pending orders
  • Clarify transfer times
  • Add multi-store support
  • Integrate balance management into main Shopify app

Payability Enroll

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

Shopify Balance

No in-app purchases

None

Payability Enroll

No in-app purchases

Questions

Is Shopify Balance free?
Shopify Balance is free to download, with no in-app purchases.
Is Payability Enroll free?
Payability Enroll is free to download, with no in-app purchases.
Do Shopify Balance or Payability Enroll have ads?
Neither Shopify Balance nor Payability Enroll shows ads.
Which is updated more often, Shopify Balance or Payability Enroll?
Shopify Balance ships an update weekly, and Payability Enroll every 3 weeks. Most recently, Shopify Balance was updated on October 14, 2026 and Payability Enroll on October 15, 2026.

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