Comparison

PayoCard vs ExpenseSpy

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

Head to head
About

PayoCard

Features
Read full description

PayoCard is a simple, secure, and convenient way to manage your digital cardβ€”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 cardβ€”PayoCard gives you full visibility and control, all in one place.

About

ExpenseSpy

Features
Read full description

ExpenseSpy turns receipt photos into organized expense reports β€” automatically. Point your camera at any receipt. Our AI reads the date, time, amount, merchant, and individual items in seconds. You review, confirm, and export. That's it. WHAT EXPENSESPY DOES - Automatically extracts data from any receipt photo - Reads date, time, amount, currency, merchant name, and items - AI suggests the right category (Food, Transport, Shopping, and more) - Export to Excel, CSV, or PDF β€” in one tap - Choose summary mode (one row per receipt) or detailed mode (one row per item) BUILT FOR PEOPLE ON THE MOVE Whether you're a frequent traveler submitting expense reports, a freelancer tracking business costs, or anyone tired of manual data entry β€” ExpenseSpy gets it done in seconds. FEATURES - Multi-currency support (QAR, USD, EUR, GBP, TRY and more) - Search and filter by date, category, status, or amount - Cloud sync β€” switch phones without losing your data - Google and Apple sign-in - Receipt photo stored with every entry - Contact us directly from the app SIMPLE PRICING Free: 10 receipts per month β€” no credit card required Monthly: $4.99/month β€” unlimited receipts Yearly: $49.99/year β€” save 17% Your data is private. We never sell it. β€” SUBSCRIPTION INFORMATION - Title: ExpenseSpy Pro - Length: 1 month or 1 year auto-renewable subscription - Price: $4.99/month or $49.99/year Payment will be charged to your Apple ID account at the confirmation of purchase. Subscription automatically renews unless it is canceled at least 24 hours before the end of the current period. Your account will be charged for renewal within 24 hours prior to the end of the current period. You can manage and cancel your subscriptions by going to your account settings on the App Store after purchase. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://expensespy.com/#privacy β€” Built by DLZ Labs β€” a one-person studio creating practical tools for everyday workflows. Questions or feedback? Reach out from within the app β€” you'll hear back from the founder, not a support queue.

Screenshots

PayoCard3 screens
ExpenseSpy4 screens

Verdict

The call

The clearest difference is in-app purchases: PayoCard at none against ExpenseSpy's 2. PayoCard also leads on iOS requirement (13.0 vs 15.0). ExpenseSpy's advantage is update cadence (weekly vs every 2 months). On price, ads and device support there is nothing between them.

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

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

Both are free to download. ExpenseSpy sells 2 in-app purchases, starting at $4.99 per month. PayoCard asks for nothing beyond the download.

UpkeepUpdate frequency

PayoCard ships an update every 2 months, ExpenseSpy weekly. The most recent releases landed on October 30, 2026 and October 28, 2026 respectively.

Scorecard3 real differences Β· 3 level
PayoCard versus ExpenseSpy: the parameters behind the verdict, then further details
ParameterPayoCardExpenseSpy
PriceFreeFree
Update frequencyEvery 2 monthsWeekly β€” better
AdsNoNo
In-app purchasesNo β€” betterYes
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS13.0 β€” better15.0
Further details β€” not scored
Size40 MB87 MB
Age rating4+4+
DeveloperMeaWallet ASCevdet Dogukan Korkmaz

In-app purchases

None

PayoCard

No in-app purchases

2 purchases

ExpenseSpy

Subscriptions2
  • ExpenseSpy Premium Monthly$4.991 Month
  • ExpenseSpy Premium Yearly$49.991 Year

Questions

Is PayoCard free?
PayoCard is free to download, with no in-app purchases.
Is ExpenseSpy free?
ExpenseSpy is free to download, with in-app purchases available.
Do PayoCard or ExpenseSpy have ads?
Neither PayoCard nor ExpenseSpy shows ads.
Which is updated more often, PayoCard or ExpenseSpy?
PayoCard ships an update every 2 months, and ExpenseSpy weekly. Most recently, PayoCard was updated on October 30, 2026 and ExpenseSpy on October 28, 2026.

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