# Paycloud vs Restart

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.

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.

## The numbers

| Metric | Paycloud | Restart |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [2.1 (14 ratings)](https://appshunter.io/ios/app/paycloud/id436337151/reviews) | **[4.0 (83 ratings)](https://appshunter.io/ios/app/restart-mobile-banking-app/id1576922155/reviews)** |
| Number of ratings | 14 | **83** |
| Positive reviews | 42.1% of reviews | **71.8% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 6 weeks | **Every 3 weeks** |
| Monetization | Free | Free |
| Size | 7 MB | 187 MB |
| Requires iOS | **8.0** | 13.0 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Factor4](https://appshunter.io/developer/1081891612) | [Restart Financial Inc.](https://appshunter.io/developer/1560009429) |

## What reviewers say

### Paycloud

[App page](https://appshunter.io/ios/app/paycloud/id436337151)

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.

**Highlights:** 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

**Features:** macOS Compatibility

**In-app purchases:** none


### Restart

[App page](https://appshunter.io/ios/app/restart-mobile-banking-app/id1576922155)

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.

**Highlights:** Fee-free checking account, Visa debit card, Social impact donations, Early direct deposit, Mobile check deposit, Multi-language support, ATM withdrawals

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Paycloud free?

Paycloud is free to download, with no in-app purchases.

### Is Restart free?

Restart is free to download, with no in-app purchases.

### Which has better reviews, Paycloud or Restart?

Restart is rated higher. Paycloud averages 2.1 out of 5 from 14 ratings, while Restart averages 4.0 from 83 ratings.

### Do Paycloud or Restart have ads?

Neither Paycloud nor Restart shows ads.

### Which is updated more often, Paycloud or Restart?

Paycloud ships an update every 6 weeks, and Restart every 3 weeks. Most recently, Paycloud was updated on June 5, 2026 and Restart on June 11, 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.*