XTransfer vs HPay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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
HPay
This app offers a secure mobile wallet for merchants to manage payments. Easily transfer funds, make instant peer-to-peer payments, and pay suppliers. Access your wallet balance and transaction history on the go.
- Secure mobile wallet
- Peer-to-peer payments
- Supplier and distributor payments
- View wallet balance
- Transfer funds to bank account
- View wallet history
- Scan QR code for beneficiaries
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Hellopay's innovative mobile application provides a secure and convenient mobile wallet for seamless peer-to-peer, supplier, and distributor payments. Follow the easy steps to access your wallet: - Download the app - Enter your hellopay merchant login details or register to become a merchant Sign Up | HelloPay.co.za - A Product of HelloFinance With the hellopay app you can : - View wallet balance - Transfer funds to your linked bank account - Instant Wallet to Wallet payments (P2P) - Pay suppliers and distributors - View wallet history - Scan QR code to add beneficiaries. Customer support and general queries, please WhatsApp us : (+27) 65 106 3876 or email info@hellopay.co.za
Screenshots
Verdict
The clearest difference is ads: HPay at none against XTransfer's shown. HPay also leads on monetization model (free vs free with in-app purchases). XTransfer's advantage is update cadence (monthly vs every 2 months). On price, review sentiment, 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.
XTransfer ships an update monthly, HPay every 2 months. The most recent releases landed on October 12, 2026 and October 6, 2026 respectively.
| Parameter | XTransfer | HPay |
|---|---|---|
| Price | Free | Free |
| Rating | 4.5 (132 ratings) — better | — |
| Positive reviews | 96.8% of reviews | 100.0% of reviews — better |
| Number of ratings | 132 — better | — |
| Update frequency | Monthly — better | Every 2 months |
| Ads | Yes | No — better |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Free — better |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 15.1 | 15.0 — better |
| Further details — not scored | ||
| Size | 135 MB | 48 MB |
| Age rating | 4+ | 4+ |
| Developer | XTransfer Limited | Hello Group (Pty) Ltd |
Customer experience
XTransfer
HPay
Bugs and 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
HPay
Not enough reviews yet to summarise bugs or requests.
In-app purchases
XTransfer
No in-app purchases
HPay
No in-app purchases
