Comparison

Payarc TouchPay vs FLO

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

Head to head
About

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.

About

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.

Highlights
  • Instant money transfers
  • Easy bill splitting
  • Pay anyone, anywhere
  • Secure payments with encryption
  • Smart transaction tracking
  • Multiple payout options
  • Business-friendly features
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

Payarc TouchPay4 screens
FLO4 screens

Verdict

The call

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

CostPrice · In-app purchases · Ads · Monetization

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

ScorecardNo meaningful differences
Payarc TouchPay versus FLO: the parameters behind the verdict, then further details
ParameterPayarc TouchPayFLO
PriceFreeFree
Rating—3.0 (2 ratings) — better
Number of ratings—2 — better
Update frequencyEvery 2 months—
AdsNoNo
In-app purchasesNoNo
Monetization—Free
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS16.915.1 — better
Further details — not scored
Size51 MB185 MB
Age rating17+17+
DeveloperPAYARC LLCSidikie Kamara

In-app purchases

None

Payarc TouchPay

No in-app purchases

None

FLO

No in-app purchases

Questions

Is Payarc TouchPay free?
Payarc TouchPay is free to download, with no in-app purchases.
Is FLO free?
FLO is free to download, with no in-app purchases.
Do Payarc TouchPay or FLO have ads?
Neither Payarc TouchPay nor FLO shows ads.

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