e.PN vs PayoCard
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
e.PN
Easily pay for services with virtual cards from international banks. Issue multiple cards for different needs and transfer funds between accounts quickly. Enjoy a secure and efficient payment solution without restrictions.
- Issue multiple virtual cards
- Transfer funds between accounts
- Pay for international services
- User-friendly interface
- Secure and reliable transactions
- Fast card issuance
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No restrictions or blocks. Pay for the services you need quickly and effortlessly using virtual cards from international banks. Our product allows issuing multiple cards for one user at once and transferring funds from one account to another in just a couple of clicks.
PayoCard
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PayoCard is a simple, secure, and convenient way to manage your digital card—designed specifically for users who receive cards through Programme Management partners. With PayoCard, you can: * Instantly view your card balance and transaction history * Access real-time statements * Secure your card with features like block/unblock and PIN control Whether you're using a prepaid, gift, or employee card—PayoCard gives you full visibility and control, all in one place.
Screenshots
Verdict
The clearest difference is update cadence: e.PN at every 10 days against PayoCard's every 2 months. PayoCard's advantage is iOS requirement (13.0 vs 17). On price, ads, in-app purchases 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. Neither carries in-app purchases, so what you see is what you pay.
e.PN ships an update every 10 days, PayoCard every 2 months. The most recent releases landed on November 4, 2026 and October 30, 2026 respectively.
| Parameter | e.PN | PayoCard |
|---|---|---|
| Price | Free | Free |
| Rating | 4.6 (73 ratings) — better | — |
| Positive reviews | 81.4% of reviews | — |
| Number of ratings | 73 — better | — |
| Update frequency | Every 10 days — better | Every 2 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone, iPad | iPhone, iPad, iPod — better |
| Requires iOS | 17 | 13.0 — better |
| Further details — not scored | ||
| Size | 163 MB | 40 MB |
| Age rating | 17+ | 4+ |
| Developer | Digital Waves LTD | MeaWallet AS |
Bugs and requests
e.PN
Reported bugs
9 issues- Funds not credited after deposit
- App not working on phone
- Payment declines for subscriptions
- Support provides copy-paste replies
- Lost money on fees and top-up with unusable card
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- Crypto transfers not arriving
- Money stolen and accounts closed
- Cards not being issued
- No refund policy
Requested features
1 request- More details from original website, including FAQ section
PayoCard
Not enough reviews yet to summarise bugs or requests.
In-app purchases
e.PN
No in-app purchases
PayoCard
No in-app purchases
