FSPay vs ZenCena

FSPAY transforma la manera en que manejas tus finanzas, ofreciéndote soluciones personalizadas para el manejo de pagos, ajustándose a tus necesidades. Más que un servicio financiero, somos tu socio estratégico para optimizar cada transacción y maximizar tu potencial. Ofrecemos: Simplicidad operativa -Toda la operación de tus tarjetas al alcance de tu mano -Acceso 24/7 a tu plataforma para gestión de tus tarjetas -Banca móvil con envíos de SPEI desde tu App. -Control de Gastos mediante la restricción de uso de las tarjetas según el giro del comercio -Notificaciones en tiempo real de las transacciones. Ciberseguridad -Las mejores medidas de seguridad para asegurar tu tranquilidad. -Tarjeta virtual con NIP dinámico para compra segura en internet -Bloqueo de tu tarjeta mediante tu App -Reclamo de transacciones no reconocidas -Factor de doble autenticación -Acceso con Biométricos -Protección de VISA Secure para transacciones en línea. Servicios de valor agregado -Tu tarjeta FSPay te brinda más servicios que se adaptan a tus necesidades. -Emite tus tarjetas con tu propia marca -Solicitud de Reposición de tarjeta mediante la App -Visibilidad de movimientos en línea -Estado de Cuenta en tu App -Pago de Servicios mediante tu APP

ZenCena is the personal finance app that respects your privacy: no forced login, and your information is never shared with anyone. Now with the 50/30/20 rule to split your money without complicated bookkeeping. THE 50/30/20 RULE Divide what you earn into three parts and see whether your month is balanced: • 50% for what you need: rent, groceries, utilities, commuting, health • 30% for what you enjoy: restaurants, streaming, clothes, travel • 20% for your future: savings, investments, goals and debt payments Your categories come pre-sorted, so you never have to tag expense by expense. Tap any part of the split to see what makes it up and fix anything that doesn't fit. Includes a tutorial explaining the rule, always available from Profile. WHAT YOU CAN DO • Track income, expenses and transfers between accounts • Manage accounts: debit, credit, savings, cash, investments, loans • Attach a receipt photo to your transactions • Set monthly budgets per category with alerts at 80% and 100% • Save with goals: put money aside for a target or keep it open-ended • Schedule recurring transactions (subscriptions, salary, rent) • Get payment reminders for your credit card • See your spending with charts by category and by month • Find any transaction instantly by title, amount, category or account • Custom categories with the icon and color you like • Choose from 58 currencies, each with its own symbol and local format • Light, dark or automatic theme • Biometric lock (Face ID / Touch ID) • Exportable annual report PRIVACY FIRST Your financial information is yours. By default, ZenCena sends no transactions, balances or account names to any server: everything lives in your device's private storage, protected by the system's encryption. No mandatory account, no forced email, no tracking of what you spend. To improve the app we use anonymous analytics (events like "transaction added") and crash reports with no personal data. If you turn on cloud sync (optional Premium), your data is backed up encrypted on our servers and you can delete it any time from the app. PREMIUM The free version is generous: 3 accounts, 10 custom categories, 2 savings goals, 3 budgets, 5 reminders, 2 recurring transactions, and the 50/30/20 rule included. Premium unlocks everything with no limits, custom percentages for your plan, photo receipts, backup export, annual report and multi-device sync. ZenCena Premium subscription plans: • ZenCena Premium Monthly: $3.99 USD per month • ZenCena Premium Yearly: $24.99 USD per year (includes a 7-day free trial) Subscriptions renew automatically at the end of each period unless cancelled at least 24 hours before the end of the current period. Payment is charged to your Apple ID account upon confirmation of purchase. You can manage and cancel your subscriptions in your Apple ID settings after purchase. Any unused portion of a free trial period is forfeited when you purchase a subscription. Terms of Use (EULA): https://zencena.app/terms-en Privacy Policy: https://zencena.app/privacy-en SUPPORT Email: soporte@zencena.app Bugs: https://forms.gle/JDkHQ281oPcGsagP9 Made with care in Mexico.