# Xtrm vs Merchant.app

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.

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.

## The numbers

| Metric | Xtrm | Merchant.app |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.6 (76 ratings)](https://appshunter.io/ios/app/xtrm/id1344706017/reviews) | **[5.0 (6 ratings)](https://appshunter.io/ios/app/merchantapp/id6443734854/reviews)** |
| Number of ratings | **76** | 6 |
| Positive reviews | 40.0% of reviews | **50.0% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 2 months | **Every 2 weeks** |
| Monetization | Free | Free |
| Size | 26 MB | 84 MB |
| Requires iOS | 15.0 | **13.4** |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [XTRM Inc](https://appshunter.io/developer/1344706016) | [Merchant Platforms, Inc.](https://appshunter.io/developer/1648883273) |

## What reviewers say

### Xtrm

[App page](https://appshunter.io/ios/app/xtrm/id1344706017)

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:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### Merchant.app

[App page](https://appshunter.io/ios/app/merchantapp/id6443734854)

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:** macOS Compatibility, Apple Wallet

**In-app purchases:** none


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