Comparison

Veloterm vs Paytools

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

Head to head
About

Veloterm

Features
Read full description

Veloterm is a fast, native SSH client for iPhone and iPad with a built-in AI assistant. Connect to your remote servers over SSH and work in a full xterm-256color terminal powered by SwiftTerm — with an AI helper that can suggest, explain, and fix shell commands. SECURE BY DESIGN • Host-key pinning (TOFU): a changed server fingerprint refuses the connection to defend against man-in-the-middle attacks. • Passwords and private keys are stored only in the iOS Keychain — never synced, never logged. • App Transport Security enforced. The app talks only to the SSH hosts you configure and, for AI, to Anthropic's API. AI ASSISTANT — BRING YOUR OWN KEY • Suggest, Explain, and Fix commands right from the terminal. • Uses YOUR OWN Anthropic API key, stored in the Keychain and called directly from your device. No middle-man server, no analytics, no tracking. FAST & NATIVE • SwiftUI interface for iPhone and iPad, with split-view multitasking. • Password or private-key authentication. • Import and export your host profiles. VELOTERM PRO • Free: save up to 20 hosts. • Pro (one-time purchase): unlimited saved hosts plus profile export/import. Veloterm is an SSH client — it connects to servers you control and does not run a shell on the device.

About

Paytools

Read full description

Paytools is an offline payment-engineering workbench for developers, QA engineers, integrators, students, and fintech teams. Decode and inspect common payment-message structures, explore field definitions, convert technical data, and keep essential payment references close at hand. Processing happens locally on your device, so pasted messages and imported files are not uploaded to a server. PAYMENT TOOLS • Inspect ISO 8583 MTIs, bitmaps, and present data elements • Decode and build primary and secondary bitmaps • Parse BER-TLV data and identify common EMV tags • Recognize SWIFT MT blocks and ISO 20022 XML messages • Convert between HEX, ASCII, decimal, binary, and packed BCD • Validate synthetic card numbers with the Luhn algorithm • Compose synthetic Track 2 and ISO-0 PIN-block test data • Use development utilities for XOR and DES odd parity KNOWLEDGE LIBRARY • Search all 128 ISO 8583 data elements • Learn ISO 8583:1987, 1993, and 2003 MTI concepts • Follow authorization from merchant to acquirer, scheme, and issuer • Understand STIP, advice, reversal, clearing, and settlement flows • Review ISO 20022 message families and validation concepts • Study EMV transaction and cryptogram terminology CODES AND FIELDS Search operational response-code references for common ISO profiles, Visa, Mastercard, UnionPay/UPI, 3-D Secure, and gateway HTTP outcomes. Open any ISO field for its purpose, format, and implementation notes, including an expanded guide to DE22 POS Entry Mode. PRIVATE BY DESIGN Paytools has no account requirement and no cloud processing. Use synthetic or appropriately masked test data. Production payment formats and code meanings can vary by network, region, product, and specification release. Paytools is an independent educational and development utility. It is not affiliated with or endorsed by any payment network. Formal certification and production processing require the current authorized specifications, test packs, approved cryptographic systems, and applicable security controls.

Screenshots

Veloterm4 screens
Paytools4 screens

Verdict

The call

The clearest difference is update cadence: Veloterm at every 3 weeks against Paytools's every 2 months. On price, ads, in-app purchases and device support there is nothing between them.

Scored on Price Ā· Rating Ā· Positive reviews Ā· Number of ratings Ā· Update frequency Ā· Ads Ā· In-app purchases Ā· Monetization Ā· Best chart rank Ā· Devices Ā· Requires iOS

CostPrice Ā· In-app purchases Ā· Ads Ā· Monetization

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

UpkeepUpdate frequency

Veloterm ships an update every 3 weeks, Paytools every 2 months. The most recent releases landed on September 26, 2026 and September 22, 2026 respectively.

Scorecard1 real difference Ā· 5 level
Veloterm versus Paytools: the parameters behind the verdict, then further details
ParameterVelotermPaytools
PriceFreeFree
Update frequencyEvery 3 weeks — betterEvery 2 months
AdsNoNo
In-app purchasesNoNo
DevicesiPhone, iPadiPhone, iPad
Requires iOS17.017.0
Further details — not scored
Size18 MB4 MB
Age rating4+4+
DeveloperVilee, LLcEmin Mammadov

In-app purchases

None

Veloterm

No in-app purchases

None

Paytools

No in-app purchases

Questions

Is Veloterm free?
Veloterm is free to download, with no in-app purchases.
Is Paytools free?
Paytools is free to download, with no in-app purchases.
Do Veloterm or Paytools have ads?
Neither Veloterm nor Paytools shows ads.
Which is updated more often, Veloterm or Paytools?
Veloterm ships an update every 3 weeks, and Paytools every 2 months. Most recently, Veloterm was updated on September 26, 2026 and Paytools on September 22, 2026.

Other comparisons