# PA Pay vs XTransfer

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.

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.

## The numbers

| Metric | PA Pay | XTransfer |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[4.5 (132 ratings)](https://appshunter.io/ios/app/xtransfer/id1463736500/reviews)** |
| Number of ratings | — | **132** |
| Positive reviews | — | 96.8% of reviews |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Every 3 months | **Monthly** |
| Monetization | — | Free with in-app purchases |
| Size | 42 MB | 135 MB |
| Requires iOS | **13.0** | 15.1 |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [PAYMENT ASIA TECHNOLOGY LIMITED](https://appshunter.io/developer/1365339607) | [XTransfer Limited](https://appshunter.io/developer/1463736499) |

## What reviewers say

### PA Pay

[App page](https://appshunter.io/ios/app/pa-pay/id1365339608)

**Features:** macOS Compatibility

**In-app purchases:** none


### XTransfer

[App page](https://appshunter.io/ios/app/xtransfer/id1463736500)

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.

**Highlights:** Global business wallet, Cross-border payments, Multi-currency support, Online account opening, Low-cost currency exchange, 24/7 instant payments

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 🚀 Fast Transfers
- 👍 Good User Experience
- 🔒 Stable and Reliable
- 💰 Fair Rates
- 🌍 Global Reach

**What reviewers complain about**

- 🐛 Minor Issues with Notifications
- 🐛 Occasional Crashes or Freezes
- 🕰️ Inconsistent Loading Times
- 🕰️ Weekend Delays
- 🕰️ Slower for Exotic Currencies

**Reported bugs**

- Unexpected Logouts
- Incompatibility with Older Devices
- Login Screen Freezes
- Notification Delays

**Requested features**

- Dark Mode Option
- Batch Payment Capabilities
- More Third-Party Integrations
- Improved Approval Workflows
- Enhanced Notification System


## Frequently asked questions

### Is PA Pay free?

PA Pay is free to download, with no in-app purchases.

### Is XTransfer free?

XTransfer is free to download, with no in-app purchases.

### Do PA Pay or XTransfer have ads?

XTransfer shows ads; PA Pay does not.

### Which is updated more often, PA Pay or XTransfer?

PA Pay ships an update every 3 months, and XTransfer monthly. Most recently, PA Pay was updated on June 1, 2026 and XTransfer on September 29, 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.*