Comparison

Paytools vs electerm

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

Head to head
About

Paytools

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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.

About

electerm

This open-source client supports SSH, SFTP, Telnet, RDP, VNC, and more for remote file editing and terminal management. It offers AI assistance for command suggestions and script writing, with customizable themes and quick commands.

Highlights
  • SSH/SFTP/FTP/Telnet/RDP/VNC/Spice client
  • Direct remote file editing
  • Public key and password authentication
  • Zmodem file transfer
  • SSH tunnel support
  • Customizable themes and quick commands
  • AI assistant integration
Features
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Open-sourced ssh/sftp/telnet/RDP/VNC/Spice/ftp client for iOS Features: - Works as a terminal/file manager, ssh/sftp/ftp/telnet/serialport/RDP/VNC/Spice client - Multi-language support - Double click to directly edit (small) remote files. - All kind of auth methods: publicKey, password, ssh agent, certificates, otp, netbird etc. - Support Zmodem(rz, sz), and Trzsz. - Support ssh related features: tunnel, connection hopping. - Customizable UI: themes, background image. - Global/session proxy. - Quick commands/triggers to do predefined tasks and automattic operations - Sync data including bookmarks to github/gitee secret gist/webdav/custom server/electerm cloud - Quick input/mirror input to one or all terminals. - AI assistant integration (supporting multiple LLM API formats — OpenAI Chat Completions, OpenAI Responses, and Anthropic Messages) to help with command suggestions, script writing, and explaining selected terminal content, create bookmarks/themes, and agent mode to directly do terminal operations - MCP (Model Context Protocol) widget for AI assistants and external tools integration

Screenshots

Paytools4 screens
electerm3 screens

Verdict

The call

The clearest difference is update cadence: electerm at every 3 days against Paytools's every 2 months. electerm also leads on iOS requirement (15.0 vs 17.0). On price, ads, in-app purchases and device support 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. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

Paytools ships an update every 2 months, electerm every 3 days. The most recent releases landed on October 9, 2026 and October 6, 2026 respectively.

Scorecard2 real differences · 8 level
Paytools versus electerm: the parameters behind the verdict, then further details
ParameterPaytoolselecterm
PriceFreeFree
Rating—5.0 (2 ratings) — better
Positive reviews—66.7% of reviews
Number of ratings—2 — better
Update frequencyEvery 2 monthsEvery 3 days — better
AdsNoNo
In-app purchasesNoNo
Monetization—Free
DevicesiPhone, iPadiPhone, iPad, iPod — better
Requires iOS17.015.0 — better
Further details — not scored
Size4 MB73 MB
Age rating4+4+
DeveloperEmin Mammadov旭东 赵

In-app purchases

None

Paytools

No in-app purchases

None

electerm

No in-app purchases

Questions

Is Paytools free?
Paytools is free to download, with no in-app purchases.
Is electerm free?
electerm is free to download, with no in-app purchases.
Do Paytools or electerm have ads?
Neither Paytools nor electerm shows ads.
Which is updated more often, Paytools or electerm?
Paytools ships an update every 2 months, and electerm every 3 days. Most recently, Paytools was updated on October 9, 2026 and electerm on October 6, 2026.

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