# Paytend vs Xpence

The clearest difference is review sentiment: Xpence at 67% against Paytend's 54%. Paytend's advantage is iOS requirement (13.0 vs 15.0). 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.

Paytend ships an update every 3 weeks, Xpence every 2 weeks. The most recent releases landed on October 14, 2026 and October 10, 2026 respectively.

## The numbers

| Metric | Paytend | Xpence |
| --- | --- | --- |
| Price | Free | Free |
| Rating | — | **[1.0 (2 ratings)](https://appshunter.io/ios/app/xpence/id1499502623/reviews)** |
| Number of ratings | — | **2** |
| Positive reviews | 53.8% of reviews | **66.7% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 weeks | **Every 2 weeks** |
| Monetization | Free | Free |
| Size | 124 MB | 151 MB |
| Requires iOS | **13.0** | 15.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [PAYTEND EUROPE UAB](https://appshunter.io/developer/1470069382) | [Xpence](https://appshunter.io/developer/1453647592) |

## What reviewers say

### Paytend

[App page](https://appshunter.io/ios/app/paytend/id1470069383)

Manage personal and business finances with a comprehensive fintech solution. Open a SEPA account, transfer money globally, exchange currencies, and get virtual or physical bank cards. Offers business solutions for cross-border e-commerce.

**Highlights:** SEPA account opening, Global money transfers, Currency exchange, Virtual and physical card issuance, Business payment solutions, Cross-border e-commerce settlement

**Features:** macOS Compatibility

**In-app purchases:** none


### Xpence

[App page](https://appshunter.io/ios/app/xpence/id1499502623)

Manage business expenses and finances with a platform that allows for instant corporate card issuance and automated bookkeeping. Upload receipts and ensure compliance with transaction approvals.

**Highlights:** Issue corporate cards instantly, Set customized card controls, Automate bookkeeping, Upload and store receipts, Transaction approvals for compliance

**In-app purchases:** none


## Frequently asked questions

### Is Paytend free?

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

### Is Xpence free?

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

### Do Paytend or Xpence have ads?

Neither Paytend nor Xpence shows ads.

### Which is updated more often, Paytend or Xpence?

Paytend ships an update every 3 weeks, and Xpence every 2 weeks. Most recently, Paytend was updated on October 14, 2026 and Xpence on October 10, 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.*