Tiro vs PayOnTime
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- 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
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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/
PayOnTime
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Fast & Secure Send money to family & friends within minutes Full Geographical Coverage We have pay-out locations in all major cities. Low Transfer Fee Fair fees on your money transfer services.
Screenshots
Verdict
The clearest difference is in-app purchases: PayOnTime at none against Tiro's 2. PayOnTime also leads on update cadence (every 4 days vs every 6 weeks). Tiro's advantage is iOS requirement (13.0 vs 15.0). On price, ads and device support 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. Tiro sells 2 in-app purchases, starting at $0.99 per year. PayOnTime asks for nothing beyond the download.
Tiro ships an update every 6 weeks, PayOnTime every 4 days. The most recent releases landed on September 25, 2026 and October 14, 2026 respectively.
| Parameter | Tiro | PayOnTime |
|---|---|---|
| Price | Free | Free |
| Positive reviews | 100.0% of reviews | — |
| Update frequency | Every 6 weeks | Every 4 days — better |
| Ads | No | No |
| In-app purchases | Yes | No — better |
| Monetization | Free with in-app purchases | — |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 13.0 — better | 15.0 |
| Further details — not scored | ||
| Size | 53 MB | 65 MB |
| Age rating | 4+ | 4+ |
| Developer | Tiro | Pay On Time |
In-app purchases
Tiro
- Tiro Plus (Yearly)$0.991 Year
- Tiro Plus (Monthly)$1.991 Month
PayOnTime
No in-app purchases
