# Payhammer vs Zenobia Pay

The clearest difference is review sentiment: Zenobia Pay at 100% against Payhammer's 50%. Zenobia Pay also leads on rating (5.0 vs 3.2) and update cadence (every 9 days vs every 6 months). Payhammer's advantage is iOS requirement (13.0 vs 17.6). On price, ratings volume, ads and in-app purchases there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

Zenobia Pay holds the better App Store score, 5.0 against 3.2. Both are backed by a comparable volume of ratings — 5 and 3 respectively. Written reviews point the same way: 50% of Payhammer's written reviews are positive against 100% of Zenobia Pay's.

Payhammer ships an update every 6 months, Zenobia Pay every 9 days. The most recent releases landed on October 12, 2026 and October 5, 2026 respectively.

## The numbers

| Metric | Payhammer | Zenobia Pay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.2 (5 ratings)](https://appshunter.io/ios/app/payhammer/id6471499032/reviews) | **[5.0 (3 ratings)](https://appshunter.io/ios/app/zenobia-pay/id6744233333/reviews)** |
| Number of ratings | **5** | 3 |
| Positive reviews | 50.0% of reviews | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 6 months | **Every 9 days** |
| Monetization | Free | Free |
| Size | 60 MB | 14 MB |
| Requires iOS | **13.0** | 17.6 |
| Devices | **iPhone, iPod** | iPhone |
| Age rating | 17+ | 4+ |
| Developer | [Payhammer LLC](https://appshunter.io/developer/1715474530) | [Zenobia Pay, Inc](https://appshunter.io/developer/1806563299) |

## What reviewers say

### Payhammer

[App page](https://appshunter.io/ios/app/payhammer/id6471499032)

This app offers modern financial solutions for underserved communities and small businesses. It provides a personalized experience to help users achieve financial freedom with features like mobile check deposit and earned wage access.

**Highlights:** Inclusive financial access, Earned wage access (coming soon), Mobile check deposit (coming soon), Small business tools, Personalized financial experience

**Features:** macOS Compatibility, Apple Wallet

**In-app purchases:** none


### Zenobia Pay

[App page](https://appshunter.io/ios/app/zenobia-pay/id6744233333)

This app allows users to pay for luxury goods by linking their bank accounts. It offers exclusive deals and eliminates the need for credit cards. Experience a seamless payment process for high-end purchases.

**Highlights:** Link bank accounts, Pay for luxury goods, Exclusive deals, No credit card required, Seamless payment process

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is Payhammer free?

Payhammer is free to download, with no in-app purchases.

### Is Zenobia Pay free?

Zenobia Pay is free to download, with no in-app purchases.

### Which has better reviews, Payhammer or Zenobia Pay?

Zenobia Pay is rated higher. Payhammer averages 3.2 out of 5 from 5 ratings, while Zenobia Pay averages 5.0 from 3 ratings.

### Do Payhammer or Zenobia Pay have ads?

Neither Payhammer nor Zenobia Pay shows ads.

### Which is updated more often, Payhammer or Zenobia Pay?

Payhammer ships an update every 6 months, and Zenobia Pay every 9 days. Most recently, Payhammer was updated on October 12, 2026 and Zenobia Pay on October 5, 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.*