# Credit Card Machine vs Zulio

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.

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

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.

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.

## The numbers

| Metric | Credit Card Machine | Zulio |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.7 (21 ratings)](https://appshunter.io/ios/app/credit-card-machine-accept/id321399433/reviews) | **[3.8 (11 ratings)](https://appshunter.io/ios/app/zulio/id6446093895/reviews)** |
| Number of ratings | **21** | 11 |
| Positive reviews | **72.3% of reviews** | 50.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 months | **Every 3 weeks** |
| Monetization | Free with in-app purchases | **Free** |
| Size | 4 MB | 62 MB |
| Requires iOS | **6.0** | 15.4 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Paynet Systems, Inc](https://appshunter.io/developer/321399436) | [Provident Payments Central LLC](https://appshunter.io/developer/1675895508) |

## What reviewers say

### Credit Card Machine

[App page](https://appshunter.io/ios/app/credit-card-machine-accept/id321399433)

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:** macOS Compatibility

**In-app purchases:** none


### Zulio

[App page](https://appshunter.io/ios/app/zulio/id6446093895)

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:** Apple Wallet

**In-app purchases:** none


## Frequently asked 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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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*