# SocialPay vs XacMerchant

The clearest difference is update cadence: SocialPay at every 3 weeks against XacMerchant's every 4 months. 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.

SocialPay ships an update every 3 weeks, XacMerchant every 4 months. The most recent releases landed on November 5, 2026 and October 30, 2026 respectively.

## The numbers

| Metric | SocialPay | XacMerchant |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.7 (78 ratings)](https://appshunter.io/ios/app/socialpay/id1152919460/reviews)** | — |
| Number of ratings | **78** | — |
| Positive reviews | 21.4% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 3 weeks** | Every 4 months |
| Monetization | Free | — |
| Size | 180 MB | 52 MB |
| Requires iOS | **15.0** | 15.1 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Golomt Bank](https://appshunter.io/developer/531302620) | [Xac Bank](https://appshunter.io/developer/781439024) |

## What reviewers say

### SocialPay

[App page](https://appshunter.io/ios/app/socialpay/id1152919460)

This app simplifies daily life by offering various services in one place. It enables fast and easy money transfers via phone number with no fees. Advanced technology allows voice-to-text transactions, and users can customize the app's appearance. It supports interbank transfers, digital wallet payments, and international transactions.

**Highlights:** Money transfer by phone number, Voice-to-text transaction technology, Customizable app themes, Interbank transfers, Digital wallet for payments, Virtual debit/credit cards, International payments via UnionPay QR/Barcode

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

**In-app purchases:** none


### XacMerchant

[App page](https://appshunter.io/ios/app/xacmerchant/id6740612697)

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

**In-app purchases:** none


## Frequently asked questions

### Is SocialPay free?

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

### Is XacMerchant free?

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

### Do SocialPay or XacMerchant have ads?

Neither SocialPay nor XacMerchant shows ads.

### Which is updated more often, SocialPay or XacMerchant?

SocialPay ships an update every 3 weeks, and XacMerchant every 4 months. Most recently, SocialPay was updated on November 5, 2026 and XacMerchant on October 30, 2026.

---

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