# Pantore Pay vs Zero Debt

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.

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.

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.

## The numbers

| Metric | Pantore Pay | Zero Debt |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (6 ratings)](https://appshunter.io/ios/app/pantore-pay/id6447585092/reviews)** | — |
| Number of ratings | **6** | — |
| Positive reviews | 60.0% of reviews | — |
| In-app purchases | **No** | Yes |
| Ads | Yes | **No** |
| Update frequency | Every 2 weeks | **Every 3 days** |
| Monetization | Ad-supported | — |
| Size | 59 MB | 16 MB |
| Requires iOS | **15.1** | 17.0 |
| Devices | **iPhone, iPad, iPod** | iPhone |
| Age rating | 17+ | 4+ |
| Developer | [PANTORE TECNOLOGIA LTDA](https://appshunter.io/developer/1627700963) | [Sardor Akbarov](https://appshunter.io/developer/6780028842) |

## What reviewers say

### Pantore Pay

[App page](https://appshunter.io/ios/app/pantore-pay/id6447585092)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### Zero Debt

[App page](https://appshunter.io/ios/app/zero-debt-payoff-planner/id6797665696)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (4)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Zero Pro Monthly | $3.49 | per month |
| Zero Pro Monthly | $4.99 | per month |
| Zero Pro | $39.99 | per year |
| Zero Pro Lifetime | $79.99 | one-time |


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