# Xayo App - Get your pay early

> Early wage access for sending money to the Dominican Republic. (iPhone/iPad app by Spendonly Inc.)

- Source: https://appshunter.io/ios/app/xayo-app-get-your-pay-early/id1573630722 (this page in markdown: same URL + `.md`)
- Developer: [Spendonly Inc](https://appshunter.io/developer/1573630724)
- Category: Finance
- Price: Free
- Rating: 2.10/5 from 59 App Store ratings · 36 written reviews indexed
- Age rating: 4+
- Requires: iOS 11.0 · 69 MB
- Languages: English
- Released: 2021-10-07
- Data updated: 2026-06-10
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/xayo-app-get-your-pay-early/id1573630722/reviews.md

## What is Xayo App?

Xayo App is the easiest way to get early access to your wage in order to send money from the U.S to and within the Dominican Republic while you wait for your paycheck. You can send U.S dollars to the Dominican Republic and the receiver receives the money in U.S dollars and can choose to convert to pesos at the official exchange rate. 

- GET EARLY ACCESS TO YOUR WAGE, INSTANTLY
Your loved ones shouldn't have to wait until you have enough or get paid before you send them or yourself some cash. Users in the United State or Dominican Republic can get early access to their wages to send from Xayo App. Early access to wages are approved within seconds with no credit check, which can then be sent to your loved ones or yourself. Repayment to the early access wage with associated service fee is made between one (1) to fifteen (15) days after approval.  After you access your first early wage and repay in full, the same wage amount is automatically credited back into your Xayo App account balance for use again.

- FREE
You can also send and receive early wage funds to and within the Dominican Republic at no cost. Making payment for day to day purchases are also instant and free.

- HOW IT WORKS
Downloading and signing up takes just a few minutes. Securely connect your bank where you receive income deposits and we will verify your employment within a few seconds. After that, you can enjoy early wage access on a revolving basis where we automatically credit your early wage amount in your Xayo App balance. 

- SECURITY
Xayo encrypts all your personal data with industry bank level security. All your transactions are secure with industry standard encryption technologies.

- SUPPORT
Are you having any issues? Send us an email at support@xayoapp.com or WhatsApp message at 971-268-8585

## Key features

- Early wage access
- Send money to Dominican Republic
- Receive USD
- Convert to pesos
- No credit check
- Free transfers

## Recent user reviews (10 of 36)

All indexed reviews: https://appshunter.io/ios/app/xayo-app-get-your-pay-early/id1573630722/reviews.md

### 1/5 — Doesn’t even work

*2023-04-15*

Whenever I put in my card information to pay the $1.95 fee for cash advance, it just says card error and please contact support. Even though all my card info is correct, and after I emailed their support the emails got rejected by server because they’re customer service email address isn’t even valid.

### 1/5 — Payment

*2023-02-11, version 1.0.5*

I get all the way to the 1.95 payment and it says error when I try to pay for the subscription so guess I’ll give this app a 👎🏻 for sure.. it’s useless!!

### 1/5 — This app don’t work

*2023-01-16, version 1.0.5*

Doesn’t work at all never gave me my money

### 1/5 — Always says unexpected error

*2022-11-26, version 1.0.5*

Every time I try to pay the subscription fee it says unexpected. I’ve emailed and no one has responded!

### 1/5 — Been waiting over FIVE MONTHS for a response!

*2022-10-18, version 1.0.5*

I’ve been waiting since May for Xayo to respond to my several emails that I’ve sent them. I keep getting the same generic email saying they will respond to the emails as they come in, but five months?? I have a Cash Out balance that I’m trying to withdraw, connected my bank account, but every time I try to do so it says “error has occurred.” 

 NOT worth your time!

### 1/5 — Scam for sure

*2022-07-08, version 1.0.5*

Nothing works in app ! Approved but can’t connect a bank can’t send money ! Customers service is a joke!

### 2/5 — Won’t let me pay

*2022-06-05, version 1.0.5*

I’ve been trying to pay the $1.95 activation fee! It keeps saying unexpected error!

### 1/5 — SCAM!!!

*2022-04-28, version 1.0.5*

It let me take out the loan and then it wouldn’t let me cash out the balance. Reached out to support and they just stopped replying after a couple of emails. Where is my money?????? I even tried reaching out to the WhatsApp number and it says no one has been active on their account since last month.

### 5/5 — Helped in a pinch

*2022-04-03, version 1.0.4*

It was so helpful in a pinch to send money to my mom!

### 1/5 — A no good company

*2022-03-16, version 1.0.4*

I have not received any advance that I borrowed, I have emailed them several times and no response. I would not recommend this app to anyone that needs a wage advance. Sad thing is that this company has all my information including my bank info. Feeling really sketchy about this company.

## Frequently asked questions about Xayo App

### What does Xayo App do?

Xayo App allows users to get early access to their wages to send money from the U.S. to and within the Dominican Republic. You can send U.S. dollars, and the recipient can choose to convert them to pesos at the official exchange rate.

### How does early wage access work?

You can get early access to your wages instantly with no credit check. Once approved, the funds can be sent to loved ones or yourself. Repayment is made between one to fifteen days after approval, and after full repayment, the same amount is automatically credited back for reuse.

### Is Xayo App free to use?

Yes, Xayo App is free. You can send and receive early wage funds to and within the Dominican Republic at no cost. Making payments for day-to-day purchases are also instant and free.

### How do I sign up for Xayo App?

Downloading and signing up takes just a few minutes. You will securely connect your bank account where you receive income deposits, and your employment will be verified within seconds. After this, you can start using the early wage access feature.

### What are the security measures for Xayo App?

Xayo App encrypts all your personal data using industry bank-level security. All your transactions are secured with industry-standard encryption technologies to protect your information.

## Version history (last 1 release)

### 1.0.5 — 2022-04-26

Fix payment issues in the app

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-10.*