PickTrace PayCard vs PayByPocket
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
PickTrace PayCard
Access your finances securely and conveniently. View your card balance, track incoming payments, and monitor all your transaction activity from in-store purchases to ATM withdrawals.
- View card balance
- Track incoming payments
- Monitor transaction history
- In-store and online purchases
- ATM withdrawals
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Easily and securely access your finances with the PickTrace PayCard App. You can view your card balance and transaction history. Card balance: - When you get paid by your employer, you will see funds added to your PayCard balance. Transactions: - Use your card for purchases in-store and online, as well as for ATM withdrawals. Then, you can easily track all transaction activity in the app.
PayByPocket
Load funds via credit or debit card and make payments at participating locations or anywhere Discover is accepted. Use QR codes in-store or add your account to digital wallets for online and in-store purchases.
- Load funds with credit/debit cards
- Pay at participating Pocket locations
- Use wherever Discover is accepted
- In-store QR code payments
- Add to Apple Wallet/Google Pay
- Online and in-store purchases
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Simply enroll (for free), fill your pocket (load funds) by credit card or debit card, and pay. Use at any participating Pocket location or wherever Discover™ is accepted. Payment at participating Pocket locations is done in-store via QR code. Payment at Discover™ locations is done by adding your Pocket account to your Apple Wallet or Google Pay account, and making purchases in-store or online.
Screenshots
Verdict
The clearest difference is review sentiment: PickTrace PayCard at 100% against PayByPocket's 75%. PickTrace PayCard also leads on update cadence (fortnightly vs every 5 weeks). PayByPocket's advantage is rating (4.9 vs 4.7). On price, ratings volume, 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
PayByPocket holds the better App Store score, 4.9 against 4.7. Both are backed by a comparable volume of ratings — 13 and 33 respectively. Written reviews complicate that: 100% of PickTrace PayCard's written reviews are positive against 75% of PayByPocket's, so the app with the better star average is not the one people write more warmly about.
PickTrace PayCard ships an update fortnightly, PayByPocket every 5 weeks. The most recent releases landed on September 10, 2026 and September 3, 2026 respectively.
| Parameter | PickTrace PayCard | PayByPocket |
|---|---|---|
| Price | Free | Free |
| Rating | 4.7 (13 ratings) | 4.9 (33 ratings) — better |
| Positive reviews | 100.0% of reviews — better | 75.0% of reviews |
| Number of ratings | 13 | 33 — better |
| Update frequency | Fortnightly — better | Every 5 weeks |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone | iPhone, iPod — better |
| Requires iOS | 16.0 | 15.1 — better |
| Further details — not scored | ||
| Size | 56 MB | 50 MB |
| Age rating | 4+ | 17+ |
| Developer | PickTrace, Inc. | Finaccept LLC |
Customer experience
PickTrace PayCard
PayByPocket
In-app purchases
PickTrace PayCard
No in-app purchases
PayByPocket
No in-app purchases
Questions
Is PickTrace PayCard free?
Is PayByPocket free?
Which has better reviews, PickTrace PayCard or PayByPocket?
Do PickTrace PayCard or PayByPocket have ads?
Which is updated more often, PickTrace PayCard or PayByPocket?
Other comparisons
