# XTransfer vs HPay

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.

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.

## The numbers

| Metric | XTransfer | HPay |
| --- | --- | --- |
| 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 | **100.0% of reviews** |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | **Monthly** | Every 2 months |
| Monetization | Free with in-app purchases | **Free** |
| Size | 135 MB | 48 MB |
| Requires iOS | 15.1 | **15.0** |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Age rating | 4+ | 4+ |
| Developer | [XTransfer Limited](https://appshunter.io/developer/1463736499) | [Hello Group (Pty) Ltd](https://appshunter.io/developer/1161658276) |

## What reviewers say

### 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


### HPay

[App page](https://appshunter.io/ios/app/hpay/id6737333422)

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.

**Highlights:** 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

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


## Frequently asked questions

### Is XTransfer free?

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

### Is HPay free?

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

### Do XTransfer or HPay have ads?

XTransfer shows ads; HPay does not.

### Which is updated more often, XTransfer or HPay?

XTransfer ships an update monthly, and HPay every 2 months. Most recently, XTransfer was updated on October 12, 2026 and HPay on October 6, 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.*