UPOS vs EX financial
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
UPOS
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The UPOS app is an essential tool to help simplify and grow your business. As a merchant, simply download the UPOS app and use your smartphone to accept UPay payments from your customers. You can enjoy real-time payment processing minus the hassle of traditional card machines, additional hardware, and unnecessary bank delays. The UPOS app completely replaces the traditional card machine and transforms your smartphone, instantly, to a money accepting machine! To facilitate faster, more secure and simpler payments through the app, UPay — for the first time in Sri Lanka — has introduced dynamic QR codes. All you have to do is enter the bill amount, and a unique QR code will automatically be generated for each transaction. The customer uses the UPay app on their smartphone to scan the QR code unique to their purchase and authorizes the payment. The transaction is complete, thereafter, and the money gets transferred to your bank right away! Harness the power of UPOS, as a merchant, and be a part of the cashless society UPay is creating while growing your business. The security of your business is guaranteed through the UPOS app’s ‘Login’ and ‘Change Password’ features. Track and monitor the progress of your business with our ‘Transaction History’ and ‘Today’s Sale’ functions. Carry out transactions using the ‘Accept payments with dynamic QR’ option.
EX financial
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EX.financial is a multi-currency wallet and stablecoin payment app for individuals and businesses. WHAT YOU CAN DO - Hold balance in USDC, USDT, and other major stablecoins - Convert crypto to fiat (USD, EUR, GBP, MXN, BRL) and withdraw via ACH, SEPA, Wire, SPEI, or PIX - Receive USD via bank transfer through a virtual account (business mode) - Track every transaction with on-chain receipt and explorer links - Send funds out via PIX QR scan - Save favorite withdrawal addresses with email confirmation WHO IT IS FOR - Freelancers receiving payments in stablecoins - Small businesses doing cross-border payments - Anyone bridging crypto and traditional finance SECURITY - Sign in with Apple or email OTP (no passwords) - All payment processing through licensed financial partners over HTTPS - No card or seed data stored on the device This is the official mobile app for the platform at https://ex.financial.
Screenshots
Verdict
The clearest difference is ads: EX financial at none against UPOS's shown. EX financial also leads on update cadence (every 2 days vs every 4 months). UPOS's advantage is iOS requirement (11.0 vs 16.4). On price, in-app purchases and device support 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.
UPOS ships an update every 4 months, EX financial every 2 days. The most recent releases landed on October 26, 2026 and November 6, 2026 respectively.
| Parameter | UPOS | EX financial |
|---|---|---|
| Price | Free | Free |
| Update frequency | Every 4 months | Every 2 days — better |
| Ads | Yes | No — better |
| In-app purchases | No | No |
| Devices | iPhone, iPod — better | iPhone |
| Requires iOS | 11.0 — better | 16.4 |
| Further details — not scored | ||
| Size | 20 MB | 35 MB |
| Age rating | 4+ | 17+ |
| Developer | SDB Bank PLC | iBRO.ia LTDA |
In-app purchases
UPOS
No in-app purchases
EX financial
No in-app purchases









