iTransact Mobile Merchant vs Zulio
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
iTransact Mobile Merchant
Accept credit and debit card payments on the go with this mobile point-of-sale solution. Features include EMV chip processing, electronic receipts, and transaction history. Easily manage multiple accounts from a single application.
- Accept credit and debit card payments
- EMV chip card transactions
- Full point-of-sale features
- Electronic receipts
- Full transaction history
- Manage multiple accounts
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iTransact Mobile Merchant is the best way to accept credit card and debit card payments anytime, anywhere. You can even select between multiple accounts from one app! Accepting credit cards is easy with these features: • Swipe cards easily or simply type in the information. • Accept EMV (chip) card transactions • Payments are deposited into a bank account of your choice. • Full point-of-sale features such as payments, voids, refunds, electronic receipts, and full transaction history. • Connect and process using multiple accounts. Switch between them with one click. • Customer service and low cost that you'll want to tell your friends about. • As your business grows, we're here to help you transition to a traditional merchant account. Call today to order your Bluetooth EMV capable reader. Note: The card reader plugs into your microphone jack, so you'll need to enable microphone access when the app asks for your permission. Note: The EMV Bluetooth reader will need you to enable Bluetooth access when the app asks for your permission.
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.
- Accept card payments
- No processing fees
- Auto-calculate fees
- Offer cash discounts
- Send invoices
- Clean reporting
- Personal customer support
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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
Verdict
The clearest difference is review sentiment: iTransact Mobile Merchant at 95% against Zulio's 50%. iTransact Mobile Merchant also leads on rating (4.9 vs 3.8) and ratings volume (122 vs 11). Zulio's advantage is update cadence (every 3 weeks vs every 2 months). 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.
iTransact Mobile Merchant holds the better App Store score, 4.9 against 3.8. That said, the two scores are not equally well evidenced: iTransact Mobile Merchant has 122 ratings behind it against 11, so its average is the more settled of the two. Written reviews point the same way: 95% of iTransact Mobile Merchant's written reviews are positive against 50% of Zulio's.
iTransact Mobile Merchant ships an update every 2 months, Zulio every 3 weeks. The most recent releases landed on November 1, 2026 and November 3, 2026 respectively.
| Parameter | iTransact Mobile Merchant | Zulio |
|---|---|---|
| Price | Free | Free |
| Rating | 4.9 (122 ratings) — better | 3.8 (11 ratings) |
| Positive reviews | 94.9% of reviews — better | 50.0% of reviews |
| Number of ratings | 122 — better | 11 |
| Update frequency | Every 2 months | Every 3 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad, iPod — better | iPhone, iPod |
| Requires iOS | 9.0 — better | 15.4 |
| Further details — not scored | ||
| Size | 19 MB | 62 MB |
| Age rating | 4+ | 4+ |
| Developer | Payroc, LLC | Provident Payments Central LLC |
Customer experience
iTransact Mobile Merchant
Zulio
Bugs and requests
iTransact Mobile Merchant
Reported bugs
2 issues- App interface needs growth
- Delay in adopting new technology
Requested features
5 requests- Allow texting receipts
- Add Touch ID login
- Implement 4-digit app lock
- Use camera to scan credit cards
- Add app refresh functionality
Zulio
Not enough reviews yet to summarise bugs or requests.
In-app purchases
iTransact Mobile Merchant
No in-app purchases
Zulio
No in-app purchases
Questions
Is iTransact Mobile Merchant free?
Is Zulio free?
Which has better reviews, iTransact Mobile Merchant or Zulio?
Do iTransact Mobile Merchant or Zulio have ads?
Which is updated more often, iTransact Mobile Merchant or Zulio?
Other comparisons
