Payarc TouchPay vs FLO
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Payarc TouchPay
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TouchPay turns your iPhone into a simple point-of-sale solution for in-person payments. Merchants can log in, select which terminal to use on the phone, and enter an amount to start a sale. The app guides the merchant to present the iPhone for the customer to tap a contactless card or wallet and completes the transaction securely. After a successful payment, merchants can deliver a receipt via SMS or email and can void transactions when needed.
FLO
Send, receive, and manage money instantly and securely. Effortlessly split bills, pay vendors, and track all your transactions in one streamlined application. Designed for speed and simplicity, it makes moving money between individuals and businesses seamless.
- Instant money transfers
- Easy bill splitting
- Pay anyone, anywhere
- Secure payments with encryption
- Smart transaction tracking
- Multiple payout options
- Business-friendly features
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FLO is the smarter way to send, receive, and manage money—built for speed, security, and simplicity. Move money instantly to friends, family, or businesses with just a few taps. Split bills, pay vendors, get paid for jobs, and track every transaction in one easy-to-use app. Whether you’re paying rent, sharing expenses, or sending funds anywhere, FLO makes it effortless. Key Features Instant Transfers – Send and receive money in seconds Easy Bill Splitting – Share expenses with friends or groups Pay Anyone, Anywhere – Recipients don’t need the app Secure Payments – Bank-level security and encryption Smart Tracking – View and manage all transactions Multiple Payout Options – Direct deposit, debit card, or wallet Business Friendly – Perfect for freelancers and small businesses Modern Design – Clean, simple, and stress-free experience Why FLO? FLO is designed to be faster, simpler, and more flexible than traditional payment apps. No complicated steps. No confusion. Just a smooth, reliable way to move your money. FLO – Move Money Your Way.
Screenshots
Verdict
Payarc TouchPay and FLO are too close to call on the numbers: across 5 compared parameters — price, ads, in-app purchases and device support among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.
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.
| Parameter | Payarc TouchPay | FLO |
|---|---|---|
| Price | Free | Free |
| Rating | — | 3.0 (2 ratings) — better |
| Number of ratings | — | 2 — better |
| Update frequency | Every 2 months | — |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | — | Free |
| Devices | iPhone, iPad | iPhone, iPad, iPod — better |
| Requires iOS | 16.9 | 15.1 — better |
| Further details — not scored | ||
| Size | 51 MB | 185 MB |
| Age rating | 17+ | 17+ |
| Developer | PAYARC LLC | Sidikie Kamara |
In-app purchases
Payarc TouchPay
No in-app purchases
FLO
No in-app purchases









