Comparison

Credit Card Machine vs Zulio

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

Head to head
About

Credit Card Machine

This app allows businesses to accept credit card payments on the go, in-store, and online. It offers features for managing sales, invoices, recurring billing, and even includes a free online webstore. Get paid quickly with deposits in 1-2 business days.

Highlights
  • Accept credit card payments
  • Create and send invoices
  • Set up recurring billing
  • Manage sales and payment history
  • Free online webstore
  • Live customer support
Features
Read full description

There’s more to your business than accepting credit cards. Sell, Manage, Promote, and receive live Support to run your business on the go, in store, and online with Paynet Systems’ Credit Card Machine. Allow customers to pay direct through an invoice or set up automatic recurring billing. Accept Visa, MasterCard, Discover and American Express at just 1.59% per swipe, and receive credit card funds in 1-2 business days. No monthly statement fees, PCI Compliance Fees, or Annual Fees. Download Now or Call us at 1-800-809-1989 to get started today! Run Your Business SELL – accept payments on iPhone, iPad, and computer while on the go, in store, online, by invoice or recurring billing. MANAGE – payment history, invoices, recurring billing and webstore in-app or online with Merchant Dashboard PROMOTE – market to potential and existing customers using our Social Media referral solution. SUPPORT – receive live support from our superior Support Team at 1-800-809-1989 Flexible Pricing Options Option 1 – SWIPE credit card sales at 1.59% with your Paynet Systems card reader Option 2 – KEY IN credit card sales at 2.19% in-app or online Option 3 – Process under $5,000 annually for less than 30¢ day FREE UNIVERSAL CARD READER Request your free Paynet Systems reader for fast, secure payments while mobile or in your retail storefront FREE INVOICE FEATURE Invoice on the go or online. Customers can pay directly from your customized invoice with our Pay Now technology FREE RECURRING BILLING Reduce data entry time with recurring billing. Customers are billed automatically on weekly, bi-weekly, or monthly schedules. FREE VIRTUAL TERMINAL Swipe or key in all major credit cards online from the Merchant Dashboard. Now with FREE Recurring Billing! FAST DEPOSITS Deposits post to your checking account in 1-2 business days. MERCHANT DASHBOARD Sign in to your online dashboard to access customer and product databases, invoices and quotes, webstore, social media referrals, Virtual Terminal, recurring billing and more! FREE ONLINE WEBSTORE After signing up, you will receive a free eCommerce storefront to sell online 24/7. BUSINESS TOOLS YOU CAN USE Paynet Systems Credit Card Machine includes everything you need to start, maintain and grow your business—all from your iPhone, iPod touch, iPad, or computer. *Accept Visa, MasterCard, American Express and Discover *Swipe or key in credit card payments everywhere your business needs to be *Request payments via invoice *Automate payments with recurring billing *Apply discounts at the register by percentage or flat amount *Record cash, debit, and credit card transactions *Accept tips by percentage or flat amount *Automatically add basic customer information to database *Email or print customized and itemized receipts *Automatically sync databases across unlimited devices and platforms.

About

Zulio

Empower your business to accept card payments without incurring additional costs. This app allows you to automatically include credit card fees in your pricing and offer cash discounts. Enjoy no processing fees, simple reporting, and dedicated customer support.

Highlights
  • Accept card payments
  • No processing fees
  • Auto-calculate fees
  • Offer cash discounts
  • Send invoices
  • Clean reporting
  • Personal customer support
Features
Read full description

Give customers choice in how they pay without increasing your costs. Accepting card payments using traditional processors with high fees, and complicated PCI requirements can feel unfair. You shouldn't have to pay another “gross income tax” to get paid for the work you do. Auto calculate and include the credit card fee in your regular price and offer discount for paying with cash. No Processing Fees Accept Payments Send Invoices Personal Customer Support No Annual PCI Requirements Clean reporting. Keep 100% of everything that hits your account.

Screenshots

Credit Card Machine4 screens
Zulio4 screens

Verdict

The call

The clearest difference is monetization model: Zulio at free against Credit Card Machine's free with in-app purchases. Zulio also leads on update cadence (every 3 weeks vs every 3 months). Credit Card Machine's advantage is review sentiment (72% vs 50%) and iOS requirement (6.0 vs 15.4). On price, rating, ratings volume and ads 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 — 3.7 for Credit Card Machine against 3.8 for Zulio. Both are backed by a comparable volume of ratings — 21 and 11 respectively. Written reviews are what separate them: 72% of Credit Card Machine's written reviews are positive against 50% of Zulio's.

UpkeepUpdate frequency

Credit Card Machine ships an update every 3 months, Zulio every 3 weeks. The most recent releases landed on October 31, 2026 and November 3, 2026 respectively.

Scorecard4 real differences · 6 level
Credit Card Machine versus Zulio: the parameters behind the verdict, then further details
ParameterCredit Card MachineZulio
PriceFreeFree
Rating3.7 (21 ratings)3.8 (11 ratings) — better
Positive reviews72.3% of reviews — better50.0% of reviews
Number of ratings21 — better11
Update frequencyEvery 3 monthsEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree — better
DevicesiPhone, iPad, iPod — betteriPhone, iPod
Requires iOS6.0 — better15.4
Further details — not scored
Size4 MB62 MB
Age rating4+4+
DeveloperPaynet Systems, IncProvident Payments Central LLC

Customer experience

Credit Card Machine

All ratings21 ratings
Positive66.7%
Neutral0.0%
Negative33.3%
Written reviews83 reviews
Positive72.3%
Neutral1.2%
Negative26.5%

Zulio

All ratings10 ratings
Positive80.0%
Neutral0.0%
Negative20.0%
Written reviews2 reviews
Positive50.0%
Neutral0.0%
Negative50.0%

In-app purchases

None

Credit Card Machine

No in-app purchases

None

Zulio

No in-app purchases

Questions

Is Credit Card Machine free?
Credit Card Machine is free to download, with no in-app purchases.
Is Zulio free?
Zulio is free to download, with no in-app purchases.
Which has better reviews, Credit Card Machine or Zulio?
Zulio is rated higher. Credit Card Machine averages 3.7 out of 5 from 21 ratings, while Zulio averages 3.8 from 11 ratings.
Do Credit Card Machine or Zulio have ads?
Neither Credit Card Machine nor Zulio shows ads.
Which is updated more often, Credit Card Machine or Zulio?
Credit Card Machine ships an update every 3 months, and Zulio every 3 weeks. Most recently, Credit Card Machine was updated on October 31, 2026 and Zulio on November 3, 2026.

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