Comparison

Tiro vs payabl.

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

Head to head
About

Tiro

This app facilitates secure and discreet over-the-phone payments and information sharing. It stores payment card and ID details using encryption, then uses text-to-speech and touch-tone technology for quick sharing during calls.

Highlights
  • Securely store payment card details
  • Store personal ID documents
  • Encrypted data storage
  • Text-to-speech sharing
  • Touch-tone technology for sharing
  • Discreet information sharing during calls
Features
Read full description

Tiro speaks so you don't have to, making over-the-phone payments smarter, safer and more convenient. Tiro is an innovative new type of digital wallet that allows you to safely store (via encryption) the details of your payment cards and personal ID documents, before making phone calls where you can share these details quickly and discretely using its text-to-speech and 'touch tone' technology. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

About

payabl.

Features
Read full description

Less admin. More business. payabl. brings together business accounts and virtual card management in one secure app, giving you the visibility and control to focus on growth, not admin. Ā  See the full picture Real-time account balances and transaction history, all in one place. Switch between accounts instantly and request statements whenever you need them. Ā  Track every transaction Upload receipts and documents directly to transfers. Add comments for context. Export everything for clean, effortless accounting. Ā  Move money with ease Send funds instantly between your own accounts or externally to any beneficiary. Set up recipients once, choose who pays the charges, and track every transfer from start to finish. Ā  Exchange currencies in seconds Convert between currencies at competitive rates with clear fees upfront. See exactly what you'll get before you confirm, and keep your international business moving. Ā  Stay ahead of approvals Track multi-signatory flows in real time, see who's approved, who's pending, and what's outstanding. No more chasing sign-offs. Ā  Approve with confidence Review, authorise, or reject transfers from anywhere. Check the full details, approve with biometric security, and keep payments moving without delay. Ā  Cards under your control View limits, freeze cards with one tap, and add to Apple Pay for secure contactless payments. Ā  Built-in security Bank-grade encryption, biometric authentication, instant fraud alerts, and immediate card termination when you need it. Payabl. CY Limited, with registered address at Agiou Athanasiou 4, Agios Athanasios, Limassol, 4104, Cyprus, is authorised and regulated by the Central Bank of Cyprus (CBC) and holds an Electronic Money Institution (EMI) licence. Payabl. CY Limited operates under its Payment Institution (PI) licence (Licence Number: 115.1.2.9/2018) until the full activation of the EMI licence. Company Registration Number: HE289380. Payabl. (UK) Limited, with registered address at Napier House, 24 High Holborn, London, WC1V 6AZ, United Kingdom, is authorised and regulated by the Financial Conduct Authority (FCA) and operates under an Electronic Money Institution (EMI) licence (Licence Number: 967259). Company Registration Number: 13639825.

Screenshots

Tiro4 screens
payabl.4 screens

Verdict

The call

The clearest difference is in-app purchases: payabl. at none against Tiro's 2. payabl. also leads on update cadence (fortnightly vs every 6 weeks). Tiro's advantage is iOS requirement (13.0 vs 17.0). On price, ads and device support there is nothing between them.

Scored on Price Ā· Rating Ā· Positive reviews Ā· Number of ratings Ā· Update frequency Ā· Ads Ā· In-app purchases Ā· Monetization Ā· Best chart rank Ā· Devices Ā· Requires iOS

CostPrice Ā· In-app purchases Ā· Ads Ā· Monetization

Both are free to download. Tiro sells 2 in-app purchases, starting at $0.99 per year. payabl. asks for nothing beyond the download.

UpkeepUpdate frequency

Tiro ships an update every 6 weeks, payabl. fortnightly. The most recent releases landed on September 25, 2026 and September 30, 2026 respectively.

Scorecard3 real differences Ā· 5 level
Tiro versus payabl.: the parameters behind the verdict, then further details
ParameterTiropayabl.
PriceFreeFree
Positive reviews100.0% of reviews—
Update frequencyEvery 6 weeksFortnightly — better
AdsNoNo
In-app purchasesYesNo — better
MonetizationFree with in-app purchases—
DevicesiPhone, iPodiPhone, iPad
Requires iOS13.0 — better17.0
Further details — not scored
Size53 MB44 MB
Age rating4+17+
DeveloperTiroPAYABL. CY LIMITED

In-app purchases

2 purchases

Tiro

Subscriptions2
  • Tiro Plus (Yearly)$0.991 Year
  • Tiro Plus (Monthly)$1.991 Month
None

payabl.

No in-app purchases

Questions

Is Tiro free?
Tiro is free to download, with in-app purchases available.
Is payabl. free?
payabl. is free to download, with no in-app purchases.
Do Tiro or payabl. have ads?
Neither Tiro nor payabl. shows ads.
Which is updated more often, Tiro or payabl.?
Tiro ships an update every 6 weeks, and payabl. fortnightly. Most recently, Tiro was updated on September 25, 2026 and payabl. on September 30, 2026.

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