PayByPocket vs Pagarva
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
PayByPocket
Load funds via credit or debit card and make payments at participating locations or anywhere Discover is accepted. Use QR codes in-store or add your account to digital wallets for online and in-store purchases.
- Load funds with credit/debit cards
- Pay at participating Pocket locations
- Use wherever Discover is accepted
- In-store QR code payments
- Add to Apple Wallet/Google Pay
- Online and in-store purchases
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Simply enroll (for free), fill your pocket (load funds) by credit card or debit card, and pay. Use at any participating Pocket location or wherever Discover™ is accepted. Payment at participating Pocket locations is done in-store via QR code. Payment at Discover™ locations is done by adding your Pocket account to your Apple Wallet or Google Pay account, and making purchases in-store or online.
Pagarva
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.
- 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
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All payments. Instant deposits. One app. Stop duct-taping payment apps. Get paid like a pro with a tool built for how you actually work. Pagarva is a professional payment app built specifically for micro-businesses in America. You no longer have to choose between enterprise tools that are complex, expensive, and slow, or personal apps that feel informal and unprofessional. We bridge both worlds, so you don’t have to. With Pagarva, you run your business the way it actually works. Payment Methods Accept payments from any method supported by the platform, immediately. As of today, you can accept: • Apple Pay • Google Pay • Cash App • Link • Zelle (QR Code) • PIX • All cards • Venmo • PayPal • PayPal Pay Later • Klarna • Affirm • USDC • Samsung Pay Instant Payouts Funds land directly in your bank account, not a wallet, not a balance you have to move later. Always. Simple One app. One price. All payment methods. Always instant. No hardware. No subscription. Your customers don’t need Pagarva to pay you. You’re in control Choose who covers transaction fees with a simple toggle. Toggle left, you pay. Toggle right, they pay. Your language Use the app in your language while customers pay in theirs. No misunderstanding. Keep everything in one place All your income is automatically organized on a single page, ready to review or export. Who Pagarva is for Small businesses that need to look professional without giving up flexibility. Pricing 3.5% + $0.30 per successful transaction. That’s it. This cost can be zero if you use our Dual Price feature to pass transaction fees on to your customers, as many businesses already do.
Screenshots
Verdict
The clearest difference is review sentiment: Pagarva at 100% against PayByPocket's 75%. Pagarva also leads on rating (5.0 vs 4.8) and update cadence (every 2 weeks vs every 5 weeks). PayByPocket's advantage is ratings volume (38 vs 5) and iOS requirement (15.1 vs 18.0). 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.
Pagarva holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: PayByPocket has 38 ratings behind it against 5, so its average is the more settled of the two. Written reviews point the same way: 75% of PayByPocket's written reviews are positive against 100% of Pagarva's.
PayByPocket ships an update every 5 weeks, Pagarva every 2 weeks. The most recent releases landed on October 25, 2026 and October 27, 2026 respectively.
| Parameter | PayByPocket | Pagarva |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (38 ratings) | 5.0 (5 ratings) — better |
| Positive reviews | 75.0% of reviews | 100.0% of reviews — better |
| Number of ratings | 38 — better | 5 |
| Update frequency | Every 5 weeks | Every 2 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad |
| Requires iOS | 15.1 — better | 18.0 |
| Further details — not scored | ||
| Size | 50 MB | 139 MB |
| Age rating | 17+ | 17+ |
| Developer | Finaccept LLC | PAGARVA INC |
Customer experience
PayByPocket
Pagarva
In-app purchases
PayByPocket
No in-app purchases
Pagarva
No in-app purchases
