# Merchant.app vs Pagarva

The clearest difference is review sentiment: Pagarva at 100% against Merchant.app's 50%. Merchant.app's advantage is rating (5.0 vs 4.2) and iOS requirement (13.4 vs 18.0). On price, ratings volume, update cadence 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.

Merchant.app holds the better App Store score, 5.0 against 4.2. Both are backed by a comparable volume of ratings — 6 and 5 respectively. Written reviews complicate that: 50% of Merchant.app's written reviews are positive against 100% of Pagarva's, so the app with the better star average is not the one people write more warmly about.

Both ship on a similar rhythm, roughly every 2 weeks. The most recent releases landed on October 13, 2026 and October 19, 2026 respectively.

## The numbers

| Metric | Merchant.app | Pagarva |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (6 ratings)](https://appshunter.io/ios/app/merchantapp/id6443734854/reviews)** | [4.2 (5 ratings)](https://appshunter.io/ios/app/pagarva/id6466799666/reviews) |
| Number of ratings | **6** | 5 |
| Positive reviews | 50.0% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 weeks | Every 2 weeks |
| Monetization | Free | Free |
| Size | 84 MB | 137 MB |
| Requires iOS | **13.4** | 18.0 |
| Devices | iPhone, iPod | iPhone, iPad |
| Age rating | 4+ | 17+ |
| Developer | [Merchant Platforms, Inc.](https://appshunter.io/developer/1648883273) | [PAGARVA INC](https://appshunter.io/developer/1707822313) |

## What reviewers say

### Merchant.app

[App page](https://appshunter.io/ios/app/merchantapp/id6443734854)

This app streamlines payment processing for businesses, allowing for quick transactions via terminal, text, or email. It offers a real-time dashboard to monitor all business transactions and refunds, ensuring secure and efficient customer payments.

**Highlights:** Process payments via terminal, text, or email, Lightning-fast transactions, Customer payments via phone or email, Real-time transaction dashboard, Refund tracking, Industry-leading data security

**Features:** macOS Compatibility, Apple Wallet

**In-app purchases:** none


### Pagarva

[App page](https://appshunter.io/ios/app/pagarva/id6466799666)

This app streamlines payment acceptance for micro-businesses in America, offering instant deposits and supporting a wide range of payment methods. It provides a professional solution without the complexity of enterprise tools or the informality of personal apps.

**Highlights:** Accept payments from multiple methods, Instant deposits to bank account, Professional interface for micro-businesses, Customer or business pays transaction fees, Multilingual support, Organized income tracking

**Features:** Apple Wallet, iMessage stickers, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is Merchant.app free?

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

### Is Pagarva free?

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

### Which has better reviews, Merchant.app or Pagarva?

Merchant.app is rated higher. Merchant.app averages 5.0 out of 5 from 6 ratings, while Pagarva averages 4.2 from 5 ratings.

### Do Merchant.app or Pagarva have ads?

Neither Merchant.app nor Pagarva shows ads.

### Which is updated more often, Merchant.app or Pagarva?

Merchant.app ships an update every 2 weeks, and Pagarva every 2 weeks. Most recently, Merchant.app was updated on October 13, 2026 and Pagarva on October 19, 2026.

---

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