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PAYSIGN INC (PAYS)

Financials · Prepaid card services and payment processing · NASDAQ

Paysign operates a vertically integrated fintech platform delivering prepaid card solutions and processing services to corporate, consumer, and government clients, plus life science software for blood and plasma collection organizations.

What PAYSIGN INC does

Paysign is a vertically integrated provider of prepaid card products and processing services for corporate, consumer, and government customers. The company operates a fintech payment platform offering end-to-end prepaid card solutions including corporate rewards, gift cards, general purpose reloadable debit cards, employee incentives, healthcare reimbursement, and pharmaceutical payment assistance. Additionally, Paysign provides life science technology solutions for blood and plasma collection organizations under its Apherion brand through software licensing, hosting, and consulting services. Revenue is derived from cardholder fees, interchange, card program management fees, transaction processing, breakage, and settlement income.

Themes: Prepaid card solutions, Payment processing, Corporate incentives and rewards, Healthcare payments, Pharmaceutical payment assistance, Fintech platform, Life science software

Fundamentals

  • Price$14.09 as of 2026-08-21 close
  • Market cap$796M as of 2026-08-21
  • 1-year return+170.4% 2025-08-21 close $5.21 → 2026-08-21 close $14.09
  • P/E46.91 as of 2026-08-24
  • Net margin+15.7% as of 2026-08-24
  • Gross margin+61.0% as of 2026-08-24
  • ROE+30.1% as of 2026-08-24
  • Debt / equity0.00 as of 2026-08-24
  • Revenue growth (YoY)+46.8% as of 2026-08-24
  • Revenue CAGR (3y)+29.2% SEC XBRL
  • Beta0.87 as of 2026-08-24
  • Last reported earnings2026-08-05 SEC EDGAR Form 8-K (Item 2.02)

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How PAYS compares in its sector

  • price-to-earnings ratiotop 10% 525 covered Financials peers, as of 2026-08-24
  • net profit marginmiddle range 538 covered Financials peers, as of 2026-08-24
  • operating marginmiddle range 534 covered Financials peers, as of 2026-08-24
  • gross marginmiddle range 176 covered Financials peers, as of 2026-08-24
  • return on equitytop 10% 575 covered Financials peers, as of 2026-08-24
  • 3-year revenue CAGRtop 25% 347 covered Financials peers
  • free cash flow (absolute dollars, latest fiscal year)middle range 431 covered Financials peers, as of FY2025

Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.

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How PAYSIGN INC looks technically

PAYSIGN INC (PAYS) is trading 126.9% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 71 trading days ago — a "golden cross", a bullish long-term signal. A strong uptrend is in place — ADX, a 0–100 trend-strength gauge, is 56, with buyers in control. Momentum is stretched — its 14-day RSI (a 0–100 momentum gauge) is 86, in overbought territory (above 70). It just made a new 20-day high, pushing above its recent trading range. It is 1.1% below its 52-week high (its highest price of the past year).

Trend

8
Distance from the 200-dayit is trading 126.9% above its 200-day average, the long-term trend line — a longer-term uptrend+126.9%
50-day moving averageits average price over the last 50 trading days — a short-term trend line — is $9.48$9.48
200-day moving averageits average price over the last 200 trading days — the long-term trend line — is $6.21$6.21
Swing structureeach recent peak has been higher than the one before it and each dip has been shallower — the pattern chart-watchers call an uptrend, which describes where price has already been and not where it goes nexthigher highs and higher lows
Last swing turnits last significant turn was a swing low 29 calendar days ago — the swings before that are what the structure reading is measured on29 sessions
Wave structureits recent swings can be read as a five-part upward sequence — what Elliott-wave chartists call an impulse — now in leg 5 of five; the labelling fails if price closes below 8.35. It is the only labelling that fits, though not with textbook proportions, and it describes the swings already printed, not what comes next.possible upward five-wave sequence, in wave 5 (atypical proportions)
Since the 50/200 crossits 50-day average crossed above its 200-day average about 71 trading days ago — a "golden cross", a bullish long-term signal71 sessions
Trend strength (14-day ADX)a strong uptrend is in place — ADX, a 0–100 trend-strength gauge, is 56, with buyers in control55.8

Momentum

3
14-day RSImomentum is stretched — its 14-day RSI (a 0–100 momentum gauge) is 86, in overbought territory (above 70)86.3
Position in its 14-day rangeit is trading right at the top of its 14-day range ($9.03 to $14.25) — its "stochastic" reading is 97 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been slipping within that range over the last few sessions.96.9
Since the MACD crossed zeroMACD, a trend-momentum gauge, is in positive territory (momentum leaning bullish)13 sessions

Range

12
52-week highits highest closing price over the past year (about 252 trading days) was $14.25$14.25
From the 52-week highit is 1.1% below its 52-week high (its highest price of the past year)-1.1%
Above the 52-week lowit is 357.5% above its 52-week low (its lowest price of the past year)+357.5%
Below the 52-week highit is 1.1% below its highest point of the past year1.1%
Since a 20-day breakoutit just made a new 20-day high, pushing above its recent trading range1 session
Since a 55-day breakoutit just made a new 55-day high, pushing above its recent trading range1 session
All-time highits highest closing price on record is $18.67 (set on 2019-07-19)$18.67
Given back of the 52-week moveover the past year its closes ranged ($3.18 to $14.09), and it has given back essentially none of its rise from last year’s low — 0% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $7.00 to $7.35. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast.0.0%
From the all-time highit is 24.5% below its all-time high-24.5%
Nearest price levelit is trading 56.7% above a support level at $6.10 — a price it turned at three times since 2025-10-27, most recently on 2026-04-08. Since 2024-08-21 it has 10 such levels below the current price and 0 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go.-56.7%
All-time lowits lowest closing price on record is $0.01 (set on 2009-01-30)$0.01
Above the all-time lowit is 140800.0% above its all-time low+140,800%

Volatility

5
Band width vs its own 6 monthsday-to-day price swings are unusually wide versus its own recent history (wider than about 84% of the past ~6 months)84th percentile
Typical daily rangein a typical session it travels about $0.5974 between its high and its low — about 4.2% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was$0.5974
Bollinger bands (20-day, ±2σ)most of its recent trading has stayed between about $7.60 and $15.48 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles$7.60 – $11.54 – $15.48
Typical daily range (% of price)its price moves about 4.2% in a typical session — about typical for the companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price4.2%
Stretch from the 200-day averageit is trading 13.2 daily ranges above its 200-day average price (126.9% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale13.2 daily ranges above its 200-day average

Volume

1
Volume vs its 30-day averagetrading volume is about normal versus its 30-day average1.49×

Analyst

2
Change in the average price targetanalysts' average price target is unchanged from the prior reading0.0%
Change in the consensus ratingthe analyst consensus rating is unchanged since the prior readingunchanged

Candlestick patterns

2
Since a doji4 sessions ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level4 sessions ago
Since a bullish engulfing3 sessions ago it opened below the previous session's close and finished above that session's open — a "bullish engulfing" pair, where one up day more than undid the down day before it3 sessions ago

Price gaps

3
Gap at the openit opened on 2026-08-21 0.7% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close+0.7%
Open gapit gapped 8.0% above the previous close 11 sessions ago and has not traded back through the level it left behind at 9.59 — an "unfilled gap", which describes a price range no trade has since crossed and is not a forecast that it will be crossed+8.0%
Gap filleda 2.6% gap up opened on 2026-08-10 has been "filled" 9 sessions ago — price traded back through the level the gap left behind, and it closed again during the very session that opened it9 sessions ago

Price streaks

1
Closing streakit has closed higher 4 sessions in a row, a +8.38% move over the run — an unbroken run of up days, which describes what has already happened and says nothing about the next session4 sessions up

Relative strength

4
vs market, 1 monthover the past 1 month this stock beat the market by 54.6 percentage points (the stock gained 56.9% while the market gained 2.3%)+54.6%
vs market, 3 monthsover the past 3 months this stock beat the market by 119.1 percentage points (the stock gained 122.2% while the market gained 3.1%)+119.1%
vs market, 6 monthsover the past 6 months this stock beat the market by 318.5 percentage points (the stock gained 329.6% while the market gained 11.1%)+318.5%
vs market, 12 monthsover the past 12 months this stock beat the market by 150.0 percentage points (the stock gained 170.4% while the market gained 20.5%)+150.0%

Signal agreement

2
Bullish technical signals7 of the 9 technical signals we can compute for it are currently in a bullish state: a strong uptrend, with buyers in control, a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, a fresh 20-day high, MACD momentum is positive, outperforming the market over 6 months, trading above the Ichimoku cloud — these describe past price behaviour, not a forecast7 of 9
Bearish technical signals2 of the 9 technical signals we can compute for it are currently in a bearish state: its RSI momentum gauge is overbought (a stretched reading), near the top of its 14-day range (overbought) — these describe past price behaviour, not a forecast2 of 9

Trend (Ichimoku cloud)

1
Vs the Ichimoku cloudtrading 70% above the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-15 and projected forward over today's price, the side traders read as an established uptrend, with the band below acting as the level that would have to give way. The band itself is thick, spanning 8.8% of the share price, which is taken to mean a barrier that has held for a while and takes effort to cross.+69.9%

Volume-weighted price

2
Vs this year’s average price paidthe price is 110% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $6.72 — a volume-weighted average of daily closes over 159 sessions, not a true tick-by-tick VWAP.+109.6%
Vs the average paid since it last reportedthe price is 11% above the average price paid since it last reported on 2026-08-05 (its 8-K), so the typical buyer over that stretch is showing a gain. That average is $12.69 — a volume-weighted average of daily closes over 13 sessions, not a true tick-by-tick VWAP.+11.0%

Price levels it has turned at before

PAYS last closed at $14.09 on 2026-08-21. Since 2024-08-21 it has turned at 10 prices below its last close and 0 above; the 3 nearest below are listed, nearest first.

LevelSideDistanceEvidence
$6.10Support56.7% below the last closeturned there three times · 2025-10-27 to 2026-04-08
$5.85Support58.5% below the last closeturned there twice · 2025-10-15 to 2025-11-13
$5.56Support60.5% below the last closeturned there twice · 2025-08-25 to 2025-09-03

A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.

Wave structure

Its recent swings can be read as a five-part upward sequence — what Elliott-wave chartists call an impulse — now in leg 5 of five.

This labelling fails — stops being a possible reading at all — if it closes below $8.35.

It is the only labelling that fits these swings, though its proportions are not the textbook ones. It was chosen from 3 labellings that survived the rules, counting shorter readings of the same bars.

On past moves of this shape the leg has usually ended somewhere between $10.35 and $13.58 — that is where it has tended to end if the count holds, not a forecast of where the price goes.

This labelling was already in place when we began recording count changes on 2026-08-13, so how long it has stood is not something we can say yet.

Read from daily closes as of 2026-08-21.

An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.

Based on daily closing prices as of 2026-08-21. Describes past price behavior only — informational, not financial advice.

Ask about PAYS's technicals →

Analyst consensus

  • Consensus ratingStrong Buy (1.40 mean, 1=Strong Buy…5=Strong Sell) — 5 analysts
  • Mean price target$13.10 range $11.50 – $15.00; median $13.00

Analyst estimates, as of 2026-08-23. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.

Analyst EPS estimate for PAYS

  • Consensus EPS estimate$0.13 next reporting period, as of 2026-08-23

Change over time is not available yet: it needs two readings of the same reporting period at least 30 days apart, and we have been recording these estimates since 2026-08-04. An estimate for a DIFFERENT quarter is not a revision, so a reading from before the last report is never compared with one after it.

The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.

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Key risks (from latest filing)

["Revenue concentration in plasma and pharma industries (representing approximately 83% of Q1 2026 revenues), creating vulnerability to industry-specific disruptions","Dependence on issuing bank partners for card sponsorship and regulatory compliance","Exposure to payment network and regulatory changes affecting prepaid card operations"]

See PAYS's biggest risks from its latest 10-Q →

What changed in the latest 10-Q

AI-assisted comparison of PAYS's 10-Q filed 2026-05-13 against the prior one filed 2025-11-13.

Management's Discussion & Analysis (MD&A)

  • Added:
    • Added specific forward-looking statement: 'our belief that changes in the estimates used to calculate the fair value of our business from year to year could materially affect the determination of fair value' (2026-05-13)
    • Added specific forward-looking statement: 'our conclusion that goodwill impairment for the three months ended March 31, 2026 was more likely than not impaired' (2026-05-13)
    • Added specific forward-looking statement: 'our expectation that the adoption of ASU 2025-11 will not have a material effect on our consolidated financial statements' (2026-05-13)
    • Added specific forward-looking statement: 'our focus of our marketing efforts on corporate incentive and expense prepaid card products in various market verticals, including but not limited to, general corporate expense, healthcare related markets including patient affordability solutions, clinical trials and donor compensation, loyalty rewards and incentive cards' (2026-05-13)
    • Added specific forward-looking statement: 'our plan for 2026 to continue to invest additional funds in technology improvements, sales and marketing, cybersecurity, fraud, customer service, and regulatory compliance' (2026-05-13)
    • Added specific forward-looking statement: 'if a certain financial institution were to be placed into receivership, we may be unable to access the cash we have on deposit and if we are unable to access our cash and cash equivalents as needed, our financial position and ability to operate our business could be adversely affected' (2026-05-13)
    • Added specific forward-looking statement: 'we may become involved in various lawsuits and legal proceedings that arise in the ordinary course of business and an adverse result in these or other matters may arise from time to time that may harm our business' (2026-05-13)
    • Added specific forward-looking statement: 'third-party software may be used for highly specialized business functions, which we may not be able to develop internally within time and budget constraints' (2026-05-13)
    • Added specific forward-looking statement: 'our expectation that the stock repurchase program will be completed within 36 months from the commencement date' (2026-05-13)
    • Added paragraph: 'In addition to our payment solutions, we also offer life science technology solutions targeting blood and plasma collection organizations. These software solutions are marketed under the Apherion™ brand, and we derive our revenue from licensing, hosting and consulting fees.' (2026-05-13)
    • Added descriptive language about Apherion products and revenue sources (2026-05-13)
  • Removed:
    • Removed reference to Annual Report on Form 10-K for year ended December 31, 2024, replaced with December 31, 2025 (2025-11-13)
    • Removed forward-looking statement: 'our belief that changes in the estimates used to calculate the fair value of our business from year to year could materially affect the determination of fair value' (2025-11-13)
    • Removed forward-looking statement: 'our conclusion that goodwill impairment for the three months ended March 31, 2026 was more likely than not impaired' (2025-11-13)
    • Removed forward-looking statement: 'our expectation that the adoption of ASU 2025-11 will not have a material effect on our consolidated financial statements' (2025-11-13)
    • Removed detailed market verticals language from marketing focus statement (2025-11-13)
    • Removed forward-looking statement: 'our plan for 2026 to continue to invest additional funds in technology improvements, sales and marketing, cybersecurity, fraud, customer service, and regulatory compliance' (2025-11-13)
    • Removed forward-looking statement: 'if a certain financial institution were to be placed into receivership, we may be unable to access the cash we have on deposit and if we are unable to access our cash and cash equivalents as needed, our financial position and ability to operate our business could be adversely affected' (2025-11-13)
    • Removed forward-looking statement: 'we may become involved in various lawsuits and legal proceedings that arise in the ordinary course of business and an adverse result in these or other matters may arise from time to time that may harm our business' (2025-11-13)
    • Removed forward-looking statement: 'third-party software may be used for highly specialized business functions, which we may not be able to develop internally within time and budget constraints' (2025-11-13)
    • Removed forward-looking statement: 'our expectation that the stock repurchase program will be completed within 36 months from the commencement date' (2025-11-13)
    • Removed paragraph describing life science technology solutions and Apherion brand (2025-11-13)
  • Reworded:
    • Changed 'for corporate, consumer and government applications' to 'for corporate, consumer and government entities' (2026-05-13)
    • Changed 'payment solutions platform' to 'payments platform' (2026-05-13)
    • Changed 'our focus of our marketing efforts on corporate incentive and expense prepaid card products in various market verticals' from original to more specific wording including examples (2026-05-13)
    • Changed 'our plan for 2025' to 'our plan for 2026' (2026-05-13)
    • Changed 'gross dollar volume on loaded cards' to 'gross dollar volume loaded on cards' (2026-05-13)
    • Changed 'operational expenses as a percent of revenues, cardholder participation, and EBITDA' to 'operational expenses as a percentage of revenues, and cardholder participation' removing reference to EBITDA (2026-05-13)
    • Changed forecast period from 'remainder of 2025 and through the third quarter of 2027' to 'remainder of 2026 and through the first quarter of 2028' (2026-05-13)
  • Notes:
    • The newer filing contains substantially more detailed forward-looking statements, suggesting either expanded disclosure or different drafting approach
    • The removal of EBITDA as a key performance indicator represents a material change in metrics disclosure
    • The inclusion of the Apherion life science technology business description is new to the 2026 filing
    • The forecast period was extended by approximately one quarter in the newer filing

Risk Factors

The two filings could not be meaningfully compared for this section.

AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.

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Insider activity (SEC Form 4)

0 open-market purchases and 9 open-market sales by insiders in the last 90 days.

  • Last 30 days0 buys · 3 sells ($3M) — 2 selling insiders
  • Last 90 days0 buys · 9 sells ($4M) — 4 selling insiders
  • Last 180 days0 buys · 12 sells ($5M) — 4 selling insiders

Activity heuristic: net selling (a transparent product heuristic from the counts above, not a prediction or advice)

Most recent open-market transaction: 2026-08-12. As of 2026-08-24.

View full insider trading history → View SEC Form 3/4/5 filings

Ask about PAYS's insider activity →

Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.

Institutional ownership (13F)

5 institutional 13F filers reported holding PAYS as of 2026-03-31 (quarter-end position, filed within 45 days).

  • Distinct 13F filers 5
  • Reported shares held 4,751,439
  • Reported value $28,033,491

reported quarterly holdings change (2025-12-31 → 2026-03-31): 0 new, 3 increased, 2 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".

Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.

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Short interest (FINRA)

PAYS had 1,530,760 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).

PAYS had 2.71% of its shares outstanding sold short as of the 2026-07-31 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 3.01 days to cover at the same settlement.

  • Reported short interest (shares) 1,530,760
  • Short interest (% of shares outstanding) 2.71%
  • Prior settlement (shares) 1,554,473
  • Reported change -1.53%
  • Days to cover (reported) 3.01

Reported to FINRA as of the 2026-07-31 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.

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Competitors & peers

  • Blackhawk Network Holdings
  • Repro Financial
  • Green Dot Corporation
  • NetSpend
  • Meta Financial Group
  • Prepaid card processing and fintech payment solutions

AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.

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Frequently asked questions

What does PAYSIGN INC (PAYS) do?

Paysign is a vertically integrated provider of prepaid card products and processing services for corporate, consumer, and government customers. The company operates a fintech payment platform offering end-to-end prepaid card solutions including corporate rewards, gift cards, general purpose reloadable debit cards, employee incentives, healthcare reimbursement, and pharmaceutical payment assistance.

What sector is PAYSIGN INC (PAYS) in?

PAYSIGN INC (PAYS) is classified in the Financials sector. Its industry is Prepaid card services and payment processing. It trades on NASDAQ.

Who are PAYSIGN INC's (PAYS) competitors?

Notable peers of PAYSIGN INC (PAYS) include Blackhawk Network Holdings, Repro Financial, Green Dot Corporation, NetSpend and Meta Financial Group. This peer set is informational only — not financial advice.

Is PAYSIGN INC (PAYS) overbought or oversold right now?

PAYSIGN INC (PAYS) is currently in overbought territory (its 14-day RSI is 86, above 70) (as of 2026-08-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.

Where does stocks-llm's data on PAYS come from?

Fundamentals and prices come from market data, as of 2026-08-24; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.

Fundamentals: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.

Last updated 2026-08-21.

Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.

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