Comparison

Fisco vs Paylo Business

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

Head to head
About

Fisco

Features
Read full description

Run your whole business from one beautifully simple app. Fisco brings sales, inventory, orders, invoices, bookings, and payments together, so you can sell, ship, and get paid without juggling five different tools. Built for merchants in Nigeria and beyond. SELL ANYWHERE • Launch your online store in minutes and share your link • Customise your store's look, colours and branding, and preview it live • Record in-person sales with the built-in point of sale and send digital receipts KEEP STOCK RIGHT • Track products, variants and stock levels in real time • Import your catalogue in bulk from CSV or Excel • Get low-stock alerts before you sell out TRACK EVERY ORDER • See each order's status from processing to delivered • Manage shipments, customers and full order history • Find any order, product, customer or invoice with global search GET PAID, GLOBALLY • Hold balances in Naira, US dollars, Pounds, and stablecoins in one wallet • Withdraw to your bank account whenever you need • Keep a clear, secure record of every transaction INVOICES AND BOOKINGS • Create and share professional invoices • Take appointments with a calendar, services, and availability that fit your day GROW WITH INSIGHT • See sales performance and your best-selling products at a glance • Create coupons and discounts to bring customers back A FRESH NEW DESIGN Fisco is redesigned from top to bottom: a calmer interface, a floating tab bar for quick navigation, and a guided tour to get you started. Download Fisco and take your business further. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

About

Paylo Business

This app helps Nigerian businesses sell online by creating a digital storefront, managing payments securely, and providing customer support. It allows you to list products, accept various payment methods, and track orders from sale to delivery.

Highlights
  • Build your online store
  • Secure payment holding
  • Multiple payment options
  • Automated customer support
  • Social media integration
  • Order and stock tracking
Features
Read full description

Sell to anyone in Nigeria from your phone. List your products or services, and Paylo builds your store and takes the payment, holding it safely until your customer confirms delivery. BUYERS TRUST YOU FROM THE FIRST ORDER Protect any order and the money is held until your customer confirms they got what they ordered, then it's released to you. First-time buyers stop asking for cash on delivery, and you keep the sales you used to lose to people who didn't know you yet. GET PAID THE WAY PEOPLE ALREADY PAY Card and bank transfer through Paystack, with transfers verified automatically so you're not squinting at receipts in your DMs. Crypto works too. Payouts land in your business account. SOMEONE ANSWERING YOUR CUSTOMERS AT 2AM The Paylo store assistant replies instantly using real prices and stock from your catalogue, then hands the chat back the moment you jump in. It answers only what it can confirm. A slow reply stops costing you the sale. GET FOUND BY PEOPLE WHO DON'T FOLLOW YOU YET Share your store by QR code, WhatsApp, or social media. Sync your catalogue to Instagram and Facebook. Paylo sets up your Google Business Profile too, so customers searching for what you sell can find you. KNOW WHAT'S WORKING Track orders from payment to delivery, watch stock, and see which products people keep coming back to. Clear numbers, on your phone, without a spreadsheet. Paylo is a verified Meta Tech Provider, built in Nigeria for fashion designers, food vendors, beauty professionals, consultants, market traders, and anyone else tired of running a business out of a comment section. Open your store today.

Screenshots

Fisco4 screens
Paylo Business4 screens

Verdict

The call

The clearest difference is in-app purchases: Paylo Business at none against Fisco's 1. Paylo Business also leads on update cadence (every 4 days vs weekly). Fisco's advantage is device support (3 vs 1) and iOS requirement (15.1 vs 17.6). On price and ads 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Fisco sells 1 in-app purchase, starting at $8.99 per month. Paylo Business asks for nothing beyond the download.

UpkeepUpdate frequency

Fisco ships an update weekly, Paylo Business every 4 days. The most recent releases landed on October 24, 2026 and October 31, 2026 respectively.

Scorecard4 real differences · 6 level
Fisco versus Paylo Business: the parameters behind the verdict, then further details
ParameterFiscoPaylo Business
PriceFreeFree
Rating—5.0 (3 ratings) — better
Positive reviews—100.0% of reviews
Number of ratings—3 — better
Update frequencyWeeklyEvery 4 days — better
AdsNoNo
In-app purchasesYesNo — better
Monetization—Free
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS15.1 — better17.6
Further details — not scored
Size38 MB47 MB
Age rating17+4+
DeveloperFisco E-Services Nig LtdGreyline Innovations

In-app purchases

1 purchases

Fisco

Subscriptions1
  • Pro Plan$8.991 Month
None

Paylo Business

No in-app purchases

Questions

Is Fisco free?
Fisco is free to download, with in-app purchases available.
Is Paylo Business free?
Paylo Business is free to download, with no in-app purchases.
Do Fisco or Paylo Business have ads?
Neither Fisco nor Paylo Business shows ads.
Which is updated more often, Fisco or Paylo Business?
Fisco ships an update weekly, and Paylo Business every 4 days. Most recently, Fisco was updated on October 24, 2026 and Paylo Business on October 31, 2026.

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