Comparison

Xtrm vs Merchant.app

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

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.

Highlights
  • 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)
Features
Read full description

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.

About

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.

Highlights
  • 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
Features
Read full description

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

Xtrm4 screens
Merchant.app4 screens

Verdict

The call

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

CostPrice · In-app purchases · Ads · Monetization

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

ReceptionRating · Positive reviews · Number of ratings

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.

UpkeepUpdate frequency

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.

Scorecard5 real differences · 5 level
Xtrm versus Merchant.app: the parameters behind the verdict, then further details
ParameterXtrmMerchant.app
PriceFreeFree
Rating4.6 (76 ratings)5.0 (6 ratings) — better
Positive reviews40.0% of reviews50.0% of reviews — better
Number of ratings76 — better6
Update frequencyEvery 2 monthsEvery 2 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.013.4 — better
Further details — not scored
Size26 MB84 MB
Age rating4+4+
DeveloperXTRM IncMerchant Platforms, Inc.

Customer experience

Xtrm

All ratings76 ratings
Positive89.5%
Neutral1.3%
Negative9.2%
Written reviews5 reviews
Positive40.0%
Neutral0.0%
Negative60.0%

Merchant.app

All ratings6 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews2 reviews
Positive50.0%
Neutral0.0%
Negative50.0%

In-app purchases

None

Xtrm

No in-app purchases

None

Merchant.app

No in-app purchases

Questions

Is Xtrm free?
Xtrm is free to download, with no in-app purchases.
Is Merchant.app free?
Merchant.app is free to download, with no in-app purchases.
Which has better reviews, Xtrm or Merchant.app?
Merchant.app is rated higher. Xtrm averages 4.6 out of 5 from 76 ratings, while Merchant.app averages 5.0 from 6 ratings.
Do Xtrm or Merchant.app have ads?
Neither Xtrm nor Merchant.app shows ads.
Which is updated more often, Xtrm or Merchant.app?
Xtrm ships an update every 2 months, and Merchant.app every 2 weeks. Most recently, Xtrm was updated on October 3, 2026 and Merchant.app on September 27, 2026.

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