# iTransact Mobile Merchant vs Zulio

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.

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.

## The numbers

| Metric | iTransact Mobile Merchant | Zulio |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.9 (122 ratings)](https://appshunter.io/ios/app/itransact-mobile-merchant/id616708187/reviews)** | [3.8 (11 ratings)](https://appshunter.io/ios/app/zulio/id6446093895/reviews) |
| Number of ratings | **122** | 11 |
| Positive reviews | **94.9% of reviews** | 50.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 3 weeks** |
| Monetization | Free | Free |
| Size | 19 MB | 62 MB |
| Requires iOS | **9.0** | 15.4 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Payroc, LLC](https://appshunter.io/developer/616708530) | [Provident Payments Central LLC](https://appshunter.io/developer/1675895508) |

## What reviewers say

### iTransact Mobile Merchant

[App page](https://appshunter.io/ios/app/itransact-mobile-merchant/id616708187)

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.

**Highlights:** Accept credit and debit card payments, EMV chip card transactions, Full point-of-sale features, Electronic receipts, Full transaction history, Manage multiple accounts

**In-app purchases:** none

**What reviewers like**

- 👍 Easy to use
- 🚀 Fast and efficient
- 👍 Great customer service
- 👍 Simple design and interface
- 👍 Reliable payment processing

**What reviewers complain about**

- 💰 High transaction fees
- 🐛 App needs improvement
- 🐛 Lacks modern features

**Reported bugs**

- App interface needs growth
- Delay in adopting new technology

**Requested features**

- Allow texting receipts
- Add Touch ID login
- Implement 4-digit app lock
- Use camera to scan credit cards
- Add app refresh functionality


### 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 iTransact Mobile Merchant free?

iTransact Mobile Merchant 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, iTransact Mobile Merchant or Zulio?

iTransact Mobile Merchant is rated higher. iTransact Mobile Merchant averages 4.9 out of 5 from 122 ratings, while Zulio averages 3.8 from 11 ratings.

### Do iTransact Mobile Merchant or Zulio have ads?

Neither iTransact Mobile Merchant nor Zulio shows ads.

### Which is updated more often, iTransact Mobile Merchant or Zulio?

iTransact Mobile Merchant ships an update every 2 months, and Zulio every 3 weeks. Most recently, iTransact Mobile Merchant was updated on November 1, 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.*