Paycloud vs Restart
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Paycloud
Manage your reward and gift cards, discover local deals, and earn points or cash back at participating businesses. Easily join loyalty programs and redeem rewards with a tap.
- Manage reward and gift cards
- Discover local discounts and coupons
- Earn points, punches, and cash back
- Join loyalty programs with one touch
- Redeem rewards via countertop sensor
- Monitor loyalty program status
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Paycloud is a mobile wallet app that lets you manage your reward and gift cards, receive exclusive discounts and free coupons and earn points, punches and cash back at local stores and restaurants. Use Paycloud to find area stores that offer exclusive discounts to loyal members and join instantly with a single touch. Connect with the stores and loyalty programs that matter to you without filling out any forms and with no obligation to spend or share your personal information. Download today to start receiving discounts, store coupons and instant rewards. Then simply hold your iPhone to each store’s countertop Paycloud sensor to redeem the rewards you’ve earned. Features: •Replace your plastic gift & loyalty cards •Keep your gift & loyalty cards in a single mobile wallet •View area Paycloud-enabled merchants on a map or in a list •Search for participating merchants by name or location •Join any loyalty program with a single touch •Monitor your loyalty program status in real time •Receive coupons and promotions on your iPhone •Receive rewards for joining, checking in and making purchases •Redeem your rewards by tapping your iPhone to the countertop sensor •Rely on bullet-proof security to protect your personal information Connect with Paycloud at stores nationwide.
Restart
This banking app allows users to open a fee-free checking account and use a Visa debit card. It offers features like early direct deposit, mobile check deposit, and ATM access. A unique aspect is its social impact feature, donating profits to a foundation with every transaction.
- Fee-free checking account
- Visa debit card
- Social impact donations
- Early direct deposit
- Mobile check deposit
- Multi-language support
- ATM withdrawals
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Bank with Purpose. Make a social impact with every swipe at no cost to you. Open a fee-free account with competitive features and multi-language support. SOCIAL IMPACT BANKING With other banks, you’re a number. With Re:start, you're a giver. With your every swipe, until the end of 2022, we donate 100% of our net profit to Liberty Ukraine Foundation, at no additional cost to you. Through many small (trans)actions, you can make a large impact. See your monthly and all-time social impact in the app. FEE-FREE BANKING Re:start is a digital bank without fees imposed by traditional banks. Our fee-free app, checking accounts, and Visa® debit cards mean no maintenance fees or minimum balances. APP FEATURES - Access your fee-free checking account and Visa® debit card. - View the social impact of your swipes. - Deposit checks with a photo. - Withdraw cash fee-free at over 30,000 ATMs nationwide. - Secure your paycheck 2 days early with direct deposit. - Track your account balance with detailed insights on charges and income. - Lock and unlock your Visa® debit card instantly. - View the app in English, Russian, Polish, Ukrainian, Armenian, Czech, Belarusian, and Persian. Visit restartbank.com/faq for terms and conditions.
Screenshots
Verdict
The clearest difference is rating: Restart at 4.0 against Paycloud's 2.1. Restart also leads on review sentiment (72% vs 42%) and update cadence (every 3 weeks vs every 6 weeks). Paycloud's advantage is iOS requirement (8.0 vs 13.0). On price, ads, in-app purchases and monetization model 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.
Restart holds the better App Store score, 4.0 against 2.1. That said, the two scores are not equally well evidenced: Restart has 83 ratings behind it against 14, so its average is the more settled of the two. Written reviews point the same way: 42% of Paycloud's written reviews are positive against 72% of Restart's.
Paycloud ships an update every 6 weeks, Restart every 3 weeks. The most recent releases landed on June 5, 2026 and June 11, 2026 respectively.
| Parameter | Paycloud | Restart |
|---|---|---|
| Price | Free | Free |
| Rating | 2.1 (14 ratings) | 4.0 (83 ratings) — better |
| Positive reviews | 42.1% of reviews | 71.8% of reviews — better |
| Number of ratings | 14 | 83 — better |
| Update frequency | Every 6 weeks | Every 3 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 8.0 — better | 13.0 |
| Further details — not scored | ||
| Size | 7 MB | 187 MB |
| Age rating | 4+ | 4+ |
| Developer | Factor4 | Restart Financial Inc. |
Customer experience
Paycloud
Restart
In-app purchases
Paycloud
No in-app purchases
Restart
No in-app purchases
