PA Pay vs XTransfer
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
PA Pay
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PA Pay's Mobile payment terminal. Accept QRCode payment Anywhere. Turn your iPhone to a mobile payment terminal and accept payments while you’re on the go. The simple, secure way to ensure you never miss a sale. With PA Pay, you can scan custome's Payment QR Code. 1. Download the PA Pay app 2. Log-in to your account 3. Instantly start accepting QR Code. Every business is unique, so please contact us with any questions. Our Hong Kong-based support team will be happy to help you. Learn more at www.paymentasia.com, or email us at technicalsupport@paymentasia.com
XTransfer
This app provides a comprehensive financial solution for small and medium-sized enterprise traders, simplifying cross-border payments. It allows users to send and receive money in multiple currencies globally, offering secure and cost-effective transactions with no account opening or maintenance fees.
- Global business wallet
- Cross-border payments
- Multi-currency support
- Online account opening
- Low-cost currency exchange
- 24/7 instant payments
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XTransfer is a one-stop financial and risk management service provider committed to making cross-border payment effortless and cost-effective for SME traders. 【XTransfer Business Wallet】 Empowering businesses in 200+ countries/regions. Your all-in-one business wallet to pay and get paid globally in 15+ currencies Streamlined online account opening, 0 account opening fee, 0 maintenance fee Receive funds in local currencies with high-speed and low-cost Secure and stable, no more account freezes 24/7 instant payments between XTransfer accounts, 0 fee 24/7 online currency exchange at market-beating rates to save more in your deals Secure and compliant online payments to your China suppliers
Screenshots
Verdict
The clearest difference is ads: PA Pay at none against XTransfer's shown. PA Pay also leads on iOS requirement (13.0 vs 15.1). XTransfer's advantage is update cadence (monthly vs every 3 months). 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.
PA Pay ships an update every 3 months, XTransfer monthly. The most recent releases landed on June 1, 2026 and September 29, 2026 respectively.
| Parameter | PA Pay | XTransfer |
|---|---|---|
| Price | Free | Free |
| Rating | — | 4.5 (132 ratings) — better |
| Positive reviews | — | 96.8% of reviews |
| Number of ratings | — | 132 — better |
| Update frequency | Every 3 months | Monthly — better |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Monetization | — | Free with in-app purchases |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 13.0 — better | 15.1 |
| Further details — not scored | ||
| Size | 42 MB | 135 MB |
| Age rating | 4+ | 4+ |
| Developer | PAYMENT ASIA TECHNOLOGY LIMITED | XTransfer Limited |
Bugs and requests
PA Pay
Not enough reviews yet to summarise bugs or requests.
XTransfer
Reported bugs
4 issues- Unexpected Logouts
- Incompatibility with Older Devices
- Login Screen Freezes
- Notification Delays
Requested features
8 requests- Dark Mode Option
- Batch Payment Capabilities
- More Third-Party Integrations
- Improved Approval Workflows
- Enhanced Notification System
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- Real-Time Chat Support
- Expanded Offline Viewing
- Biometric Payment Confirmation
In-app purchases
PA Pay
No in-app purchases
XTransfer
No in-app purchases
