Comparison

Pantore Pay vs Zero Debt

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Pantore Pay

This app provides working capital for businesses like restaurants and grocery stores, allowing them to finance purchases from any supplier in Brazil. It offers a simple credit line, flexible payment terms, and a user-friendly interface with data security.

Highlights
  • Working capital loans
  • Finance supplier purchases
  • 7-day flexible payment terms
  • Intuitive user interface
  • Advanced data encryption
  • Dedicated customer support
Features
Read full description

Pantore Pay é capital de giro para auxiliar o seu estabelecimento! Aplicativo revolucionário que permite a você emprestar capital de giro de forma rápida e fácil para financiar suas compras com qualquer fornecedor no Brasil. Diga adeus às preocupações financeiras e concentre-se no crescimento do seu negócio com a ajuda do Pantore Pay! Características Principais: 1 - Linha de crédito e Capital de Giro Simples: Com o Pantore Pay, você pode solicitar empréstimos de capital de giro de forma rápida e sem complicações. Nada de papelada extensa ou longos processos bancários. Tudo é feito de maneira digital e eficiente! 2 - Financie Suas Compras: Agora, você pode fazer suas compras com qualquer fornecedor do Brasil sem se preocupar com o orçamento. O Pantore Pay permite que você tenha o dinheiro necessário para manter o estoque sempre abastecido e aproveitar oportunidades comerciais sem hesitação. 3 - Pagamento Flexível: Desfrute de um prazo de 7 dias para pagar o Pantore Pay. Isso significa que você terá tempo suficiente para gerar receitas e organizar suas finanças antes do vencimento, tornando o processo de pagamento muito mais tranquilo. 4 - Interface Intuitiva: O aplicativo possui uma interface amigável e intuitiva, garantindo que todos os proprietários de negócios, mesmo aqueles que não são especialistas em tecnologia, possam usá-lo sem dificuldades. 5 - Segurança de Dados: Priorizamos a segurança das suas informações. Todas as transações e dados financeiros são protegidos por criptografia avançada, garantindo total confidencialidade. 6 - Suporte ao Cliente: A equipe de suporte dedicada do Pantore Pay está sempre pronta para ajudar com qualquer dúvida ou problema que você possa enfrentar. Nossa missão é fornecer um atendimento ao cliente excepcional. Não permita que a falta de capital de giro atrapalhe o crescimento e o sucesso do seu negócio. Baixe o Pantore Pay agora mesmo e experimente a liberdade financeira que você merece! Seja o mestre do seu próprio destino empresarial com o Pantore Pay ao seu lado. Observação: As informações financeiras e os termos exatos podem estar sujeitos a alterações com base nas políticas da Pantore Pay. Verifique sempre os detalhes mais atualizados diretamente no aplicativo. Venha para PantorePay!

About

Zero Debt

Features
Read full description

Zero keeps your money and your debts, by hand. Write what you spent in one line — “coffee 4.50” — and Zero files it and counts your wallet. Type what you owe or are owed, and it plans the way to zero. WHAT IT HOLDS - Both directions of the ledger: money you owe, and money you lent out - Categories, from credit cards and loans to money owed to family - 64 currencies, each written the way that currency is written - An optional interest rate, minimum payment and due date on every debt - Every payment recorded with its date, kept as history you can scroll back through A PLAN THAT EXPLAINS ITSELF Zero doesn't just rank your debts — it tells you why. Pay by interest cost (avalanche) or smallest balance first (snowball), or drag the list into the order you want and mark what you must pay first. The plan names the one debt to attack now and the reason it's that one, then shows what this month costs and the month you finish. WHAT IT SHOWS - The month you become debt-free, and how many months away it is - Balance over time, drawn as steps, because money moved on the days it moved - How much of everything you've ever owed is now paid off - Overdue debts, and reminders three days before and on the day QUICK TO KEEP UP WITH - Swipe a debt to record a payment, edit it, or set its priority - Ask Siri: "Add a debt in Zero", "What do I owe?", "Record a payment in Zero" - Home Screen and Lock Screen widgets with your total and your next due date INTEREST SAVER (PRO) See what interest takes out of each payment, which order costs you least, and what paying a little more each month would save — worked out from your own rates. IT NEVER INVENTS A NUMBER This is the part most money apps will not do: - If your payments cannot reach zero, Zero shows no debt-free date at all, rather than one that flatters the plan. - The balance chart steps instead of curving, because a smooth line would draw money moving on days when nothing moved. - The chart scale stays pinned to your original total, so a small payment cannot be zoomed into looking like a large one. YOUR LEDGER STAYS ON YOUR PHONE Your debts, payments, notes and dates are stored on this device. With Pro, iCloud sync keeps a copy in your own iCloud, for your other devices and a new phone — Apple stores it; Zero never sees it. Export the whole ledger to CSV whenever you want your own copy, free, on any tier. Sign in with Apple is optional. It creates a free Zero account that carries your profile to a new phone. Every other part of Zero works without an account, and you can delete the account from inside the app at any time. No third-party trackers. No advertising identifier. No bank connection of any kind. To learn what works, Zero records which screens and buttons are used under a random number your phone makes for itself — never anything you wrote — and Settings › Share usage data turns it off. FREE, AND PRO Free holds up to 3 debts, with unlimited payments, the full payoff plan and your debt-free date, the charts, due-date reminders, a ready-made reminder for people who owe you and the CSV export. Zero Pro removes the debt limit and adds the interest saver, iCloud sync, a Face ID lock, PDF reports, five color themes and six app icons. Monthly and yearly subscriptions are available, along with a one-time lifetime purchase. Zero does not lend money, refinance anything, broker loans, give financial advice, or connect to a financial institution. It is a notebook that can add up. Terms of Use: https://soso.uz/terms Privacy Policy: https://soso.uz/privacy

Screenshots

Pantore Pay4 screens
Zero Debt4 screens

Verdict

The call

The clearest difference is in-app purchases: Pantore Pay at none against Zero Debt's 4. Pantore Pay also leads on device support (3 vs 1) and iOS requirement (15.1 vs 17.0). Zero Debt's advantage is ads (none vs shown) and update cadence (every 3 days vs every 2 weeks). On price 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Zero Debt sells 4 in-app purchases, starting at $3.49 per month. Pantore Pay asks for nothing beyond the download.

UpkeepUpdate frequency

Pantore Pay ships an update every 2 weeks, Zero Debt every 3 days. The most recent releases landed on October 27, 2026 and October 25, 2026 respectively.

Scorecard5 real differences · 5 level
Pantore Pay versus Zero Debt: the parameters behind the verdict, then further details
ParameterPantore PayZero Debt
PriceFreeFree
Rating5.0 (6 ratings) — better—
Positive reviews60.0% of reviews—
Number of ratings6 — better—
Update frequencyEvery 2 weeksEvery 3 days — better
AdsYesNo — better
In-app purchasesNo — betterYes
MonetizationAd-supported—
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS15.1 — better17.0
Further details — not scored
Size59 MB16 MB
Age rating17+4+
DeveloperPANTORE TECNOLOGIA LTDASardor Akbarov

In-app purchases

None

Pantore Pay

No in-app purchases

4 purchases

Zero Debt

Subscriptions3
  • Zero Pro Monthly1 Month trial$3.491 Month
  • Zero Pro Monthly1 Month trial$4.991 Month
  • Zero Pro$39.991 Year
One-time1
  • Zero Pro Lifetime$79.99

Questions

Is Pantore Pay free?
Pantore Pay is free to download, with no in-app purchases.
Is Zero Debt free?
Zero Debt is free to download, with in-app purchases available.
Do Pantore Pay or Zero Debt have ads?
Pantore Pay shows ads; Zero Debt does not.
Which is updated more often, Pantore Pay or Zero Debt?
Pantore Pay ships an update every 2 weeks, and Zero Debt every 3 days. Most recently, Pantore Pay was updated on October 27, 2026 and Zero Debt on October 25, 2026.

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