Xtrm vs Merchant.app
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Xtrm
A secure and convenient mobile app for global fund management. It allows users to send, receive, and access money worldwide in any currency, with options for currency exchange and direct bank transfers. Businesses can also integrate its payment technology into their own solutions.
- Global fund reception and sending
- Multi-currency support
- Currency exchange
- Direct bank transfers
- Payment platform API integration
- Digital wallet architecture
- Multiple payment options (ACH, Wire, Cards, Gift Cards)
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The Xtrm mobile app is a secure and easy way to receive, send and access your funds from anywhere in the world in any currency. This easy to use and convenient app ensures privacy and security of all information and transactions whilst giving you many options on how to receive your final payment. Companies can now provide their individual payees - partners, employees, contractors and suppliers - with mobile access to their funds. Payees can exchange currency directly from the mobile app to convert payments received into their local currency and then transfer funds directly to their bank account. Developers can now embed all the features of Xtrm’s payment technology and platform to create mobile payment solutions using Xtrm's powerful global payment platform and API. Powered by an intelligent digital wallet architecture, Xtrm’s platform allows consumers and companies of all sizes to receive, manage and make any type of B2B and B2C global payments. Capabilities include multiple mass payment collection, management and transfer options and the broadest choice of cash and non-cash global payment options such as ACH, Wire, VISA Debit Cards, Virtual Visa, Check and over 200 multinational digital gift cards. Xtrm supports over 140 global currencies allowing any kind of currency payments and currency exchange to individuals and companies anywhere in the world, whilst ensuring complete domestic and international tax and security compliance and adherence to all financial and legal regulatory requirements such as SOX , KYC, and AML compliance. Xtrm allows developers to integrate the intelligent wallet architecture into any web or mobile application as a completely white-labeled solution. Whether your business is accounts payables, accounts receivables, incentives, rebates or any global money flow, you can easily embed payments directly into your platform.
Merchant.app
This app streamlines payment processing for businesses, allowing for quick transactions via terminal, text, or email. It offers a real-time dashboard to monitor all business transactions and refunds, ensuring secure and efficient customer payments.
- Process payments via terminal, text, or email
- Lightning-fast transactions
- Customer payments via phone or email
- Real-time transaction dashboard
- Refund tracking
- Industry-leading data security
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An ideal system for businesses, Merchant Platforms will help you process your payments and impress your customers through terminal, text or email payment prompts and lightning-fast transactions. Customers can make payments instantly through their phone or email without the hassle of credit card authorization forms. A dashboard with real-time updates helps you keep track of all the transactions and refunds within your business. Merchants and customers can rest assured that each payment is kept safe and secure through industry-leading data security standards.
Screenshots
Verdict
The clearest difference is rating: Merchant.app at 5.0 against Xtrm's 4.6. Merchant.app also leads on update cadence (every 2 weeks vs every 2 months) and review sentiment (50% vs 40%). Xtrm's advantage is ratings volume (76 vs 6). On price, ads, in-app purchases and monetization model 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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Merchant.app holds the better App Store score, 5.0 against 4.6. That said, the two scores are not equally well evidenced: Xtrm has 76 ratings behind it against 6, so its average is the more settled of the two. Written reviews point the same way: 40% of Xtrm's written reviews are positive against 50% of Merchant.app's.
Xtrm ships an update every 2 months, Merchant.app every 2 weeks. The most recent releases landed on October 3, 2026 and September 27, 2026 respectively.
| Parameter | Xtrm | Merchant.app |
|---|---|---|
| Price | Free | Free |
| Rating | 4.6 (76 ratings) | 5.0 (6 ratings) — better |
| Positive reviews | 40.0% of reviews | 50.0% of reviews — better |
| Number of ratings | 76 — better | 6 |
| Update frequency | Every 2 months | Every 2 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 15.0 | 13.4 — better |
| Further details — not scored | ||
| Size | 26 MB | 84 MB |
| Age rating | 4+ | 4+ |
| Developer | XTRM Inc | Merchant Platforms, Inc. |
Customer experience
Xtrm
Merchant.app
In-app purchases
Xtrm
No in-app purchases
Merchant.app
No in-app purchases








