# VMCard vs ZRPay

The clearest difference is update cadence: VMCard at every 3 days against ZRPay's every 3 weeks. VMCard also leads on iOS requirement (13.0 vs 17.0). On price, ads, in-app purchases and device support there is nothing between them.

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

VMCard ships an update every 3 days, ZRPay every 3 weeks. The most recent releases landed on October 10, 2026 and October 22, 2026 respectively.

## The numbers

| Metric | VMCard | ZRPay |
| --- | --- | --- |
| Price | Free | Free |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 days** | Every 3 weeks |
| Size | 31 MB | 47 MB |
| Requires iOS | **13.0** | 17.0 |
| Devices | **iPhone, iPad, iPod** | iPhone, iPad |
| Age rating | 4+ | 4+ |
| Developer | [VMSHELL INC](https://appshunter.io/developer/1615424625) | [ZIRCON CREDIT SERVICE LIMITED](https://appshunter.io/developer/6792673974) |

## What reviewers say

### VMCard

[App page](https://appshunter.io/ios/app/vmcard/id6773217010)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### ZRPay

[App page](https://appshunter.io/ios/app/zrpay/id6792673972)

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is VMCard free?

VMCard is free to download, with no in-app purchases.

### Is ZRPay free?

ZRPay is free to download, with no in-app purchases.

### Do VMCard or ZRPay have ads?

Neither VMCard nor ZRPay shows ads.

### Which is updated more often, VMCard or ZRPay?

VMCard ships an update every 3 days, and ZRPay every 3 weeks. Most recently, VMCard was updated on October 10, 2026 and ZRPay on October 22, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*