# VanillaDirect Pay vs XtraPOWER by PAYOMATIC

The clearest difference is rating: XtraPOWER by PAYOMATIC at 4.5 against VanillaDirect Pay's 3.3. XtraPOWER by PAYOMATIC also leads on ratings volume (662 vs 9). VanillaDirect Pay's advantage is review sentiment (100% vs 74%) and iOS requirement (10.0 vs 13.4). On price, update cadence, ads and in-app purchases there is nothing between them.

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

XtraPOWER by PAYOMATIC holds the better App Store score, 4.5 against 3.3. That said, the two scores are not equally well evidenced: XtraPOWER by PAYOMATIC has 662 ratings behind it against 9, so its average is the more settled of the two. Written reviews complicate that: 100% of VanillaDirect Pay's written reviews are positive against 74% of XtraPOWER by PAYOMATIC's, so the app with the better star average is not the one people write more warmly about.

VanillaDirect Pay ships an update every 5 weeks, XtraPOWER by PAYOMATIC every 2 months. Both last shipped on November 2, 2026.

## The numbers

| Metric | VanillaDirect Pay | XtraPOWER by PAYOMATIC |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.3 (9 ratings)](https://appshunter.io/ios/app/vanilladirect-pay/id1434856702/reviews) | **[4.5 (662 ratings)](https://appshunter.io/ios/app/xtrapower-by-payomatic/id1436035625/reviews)** |
| Number of ratings | 9 | **662** |
| Positive reviews | **100.0% of reviews** | 74.4% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Every 5 weeks** | Every 2 months |
| Monetization | Free | Free |
| Size | 39 MB | 41 MB |
| Requires iOS | **10.0** | 13.4 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [HI Technology Corp](https://appshunter.io/developer/804191919) | [PAYOMATIC](https://appshunter.io/developer/1436035624) |

## What reviewers say

### VanillaDirect Pay

[App page](https://appshunter.io/ios/app/vanilladirect-pay/id1434856702)

Pay your bills with cash at thousands of retail locations nationwide. Generate a unique barcode for each biller to make convenient walk-in payments. Track your payment history and access e-receipts within the app.

**Highlights:** Cash bill payments, Thousands of retail locations, Unique barcode generation, Payment history tracking, E-receipts, Biller search and account setup

**In-app purchases:** none


### XtraPOWER by PAYOMATIC

[App page](https://appshunter.io/ios/app/xtrapower-by-payomatic/id1436035625)

Manage your spending and access your funds with this app. Track transactions, view balances, and receive personalized offers. It also facilitates direct deposit for faster access to paychecks and allows for easy money transfers.

**Highlights:** Track spending activity, View inPOWER Card transactions, Real-time balance checks, Share money with others, Direct deposit for faster pay, Exclusive offers and discounts, Email transaction receipts

**Features:** macOS Compatibility

**In-app purchases:** none

**What reviewers like**

- 👍 Convenient and intuitive
- 💳 Useful card features
- 💰 Helpful incentives
- 🔍 Easy to track transactions
- 🔥 Great app experience

**What reviewers complain about**

- 🐛 App crashes and bugs
- 💸 Unexpected fees and charges
- ⏱️ Slow money transfers
- 🤔 Confusing account management
- 🤯 Poor customer service

**Reported bugs**

- Login screen issues
- Date of birth entry problems
- Network errors
- Force closing on app launch

**Requested features**

- Mobile check deposit
- Ability to manage multiple cards
- Improved date/time picker
- Support for Apple Pay


## Frequently asked questions

### Is VanillaDirect Pay free?

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

### Is XtraPOWER by PAYOMATIC free?

XtraPOWER by PAYOMATIC is free to download, with no in-app purchases.

### Which has better reviews, VanillaDirect Pay or XtraPOWER by PAYOMATIC?

XtraPOWER by PAYOMATIC is rated higher. VanillaDirect Pay averages 3.3 out of 5 from 9 ratings, while XtraPOWER by PAYOMATIC averages 4.5 from 662 ratings.

### Do VanillaDirect Pay or XtraPOWER by PAYOMATIC have ads?

Neither VanillaDirect Pay nor XtraPOWER by PAYOMATIC shows ads.

### Which is updated more often, VanillaDirect Pay or XtraPOWER by PAYOMATIC?

VanillaDirect Pay ships an update every 5 weeks, and XtraPOWER by PAYOMATIC every 2 months. Most recently, VanillaDirect Pay was updated on November 2, 2026 and XtraPOWER by PAYOMATIC on November 2, 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.*