# UPayments vs Xent

The clearest difference is rating: UPayments at 4.7 against Xent's 4.3. UPayments also leads on ratings volume (446 vs 3). On price, update cadence, ads and in-app purchases there is nothing between them.

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

UPayments holds the better App Store score, 4.7 against 4.3. That said, the two scores are not equally well evidenced: UPayments has 446 ratings behind it against 3, so its average is the more settled of the two.

UPayments ships an update monthly, Xent every 3 weeks. The most recent releases landed on October 26, 2026 and October 23, 2026 respectively.

## The numbers

| Metric | UPayments | Xent |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[4.7 (446 ratings)](https://appshunter.io/ios/app/upayments/id1311356029/reviews)** | [4.3 (3 ratings)](https://appshunter.io/ios/app/xent/id1630702547/reviews) |
| Number of ratings | **446** | 3 |
| Positive reviews | 70.0% of reviews | — |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Monthly | **Every 3 weeks** |
| Monetization | Free | Free |
| Size | 69 MB | 55 MB |
| Requires iOS | **13.4** | 14.0 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [UPAYMENTS COMPANY W.L.L.](https://appshunter.io/developer/1105915026) | [XENT FOR COMMISSION AGENT AND TRADING COMPANY](https://appshunter.io/developer/1630702549) |

## What reviewers say

### UPayments

[App page](https://appshunter.io/ios/app/upayments/id1311356029)

This app offers a comprehensive fintech solution for merchants, enabling them to manage finances, create custom online stores, track sales, and process payments. It also includes features for managing bookings, deliveries, and multiple store branches.

**Highlights:** Invoice creation, Real-time balance and revenue tracking, Customizable online store creation, Sales dashboard and analytics, Multiple payment method integration, Discount and coupon management, Delivery and booking management

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

**In-app purchases:** none


### Xent

[App page](https://appshunter.io/ios/app/xent/id1630702547)

Facilitates secure and rapid global currency and electronic money trading for individuals, banks, and companies. Offers a unique network with user-friendly and safe features for a seamless personal experience.

**Highlights:** Global currency trading, Electronic money exchange, Secure transactions, Fast trading, User-friendly interface, Network features

**In-app purchases:** none


## Frequently asked questions

### Is UPayments free?

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

### Is Xent free?

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

### Which has better reviews, UPayments or Xent?

UPayments is rated higher. UPayments averages 4.7 out of 5 from 446 ratings, while Xent averages 4.3 from 3 ratings.

### Do UPayments or Xent have ads?

Neither UPayments nor Xent shows ads.

### Which is updated more often, UPayments or Xent?

UPayments ships an update monthly, and Xent every 3 weeks. Most recently, UPayments was updated on October 26, 2026 and Xent on October 23, 2026.

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