Comparison

World XPay vs xeloc

Price, ratings, monetisation and update history for both apps, side by side โ€” with what reviewers say about each.

Head to head
About

World XPay

Features
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FRAUD-PROOF This is the only guaranteed fraud-proof payment app in the world! XPay protects you against transaction fraud, card theft, hackers, and even lost cards. XPay changes the way your cards interact with merchants, acquirers and banks on the financial networks. A technology so powerful, it's guaranteed to be transaction safe (our lawyers cringed at first but then agreed). PRIVACY XPay also provides you with more privacy than any other payment method or eWallet. When you shop where you see the XPay logo, you'll automatically have increased financial privacy and faster check-outs. Since we just started rolling out in the US in 2020, accepted locations are growing everyday. Visit our website for merchant lists, employment opportunities and how to accept XPay at your store (world-xchange.com). EASIER AND FASTER Whether standing at the check-out or online, you'll enjoy being in control and the efficiency of the whole payment process. When online, you'll never have to fill-out another long and painful form. This is because you control the shopping cart and communication with your bank. This is the way shopping was supposed to be, with you controlling the access to your money (radical we know). DON'T MISS A THING All this added simplicity, privacy and protection using your same cards and all the perks and rewards you currently enjoy with each one. XPay doesn't change your cards, it changes how they work, making them safer, easier and more private. For more information about this amazing technology, our company, career opportunities, future territory and language roll-outs, please visit: world-xchange.com.

About

xeloc

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xeloc [ zero ] implements the simple features that developers actually wanted. There are no ads, and no analysis or tracking of usage data. - XRPL Account Creation & Import - You can create new accounts or import existing ones. - Up to 5 accounts can be registered. - Token Check, Send, DEX Trading & TrustLine Setup - You can check tokens (XRP, IOU, NFT) linked to your account and send XRP or IOU tokens. - Modifying trust line settings required to hold tokens is also supported. - Transaction History - You can view and check the list of your account's transaction history. - An offer cancellation feature for DEX trading is also partially implemented. - WalletConnect Support - Easily establish session connections with websites that support WalletConnect.

Screenshots

World XPay4 screens
xeloc4 screens

Verdict

The call

The clearest difference is update cadence: xeloc at every 2 weeks against World XPay's every 3 months. World XPay's advantage is iOS requirement (13.1 vs 16.4). On price, ads, in-app purchases and device support there is nothing between them.

Scored on Price ยท Rating ยท Positive reviews ยท Number of ratings ยท Update frequency ยท Ads ยท In-app purchases ยท Monetization ยท Best chart rank ยท Devices ยท Requires iOS

CostPrice ยท In-app purchases ยท Ads ยท Monetization

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

UpkeepUpdate frequency

World XPay ships an update every 3 months, xeloc every 2 weeks. The most recent releases landed on September 15, 2026 and September 12, 2026 respectively.

Scorecard2 real differences ยท 4 level
World XPay versus xeloc: the parameters behind the verdict, then further details
ParameterWorld XPayxeloc
PriceFreeFree
Update frequencyEvery 3 monthsEvery 2 weeks โ€” better
AdsNoNo
In-app purchasesNoNo
DevicesiPhone, iPodiPhone, iPad
Requires iOS13.1 โ€” better16.4
Further details โ€” not scored
Size22 MB66 MB
Age rating4+4+
DeveloperWorld XChange IncDXL Labs

In-app purchases

None

World XPay

No in-app purchases

None

xeloc

No in-app purchases

Questions

Is World XPay free?
World XPay is free to download, with no in-app purchases.
Is xeloc free?
xeloc is free to download, with no in-app purchases.
Do World XPay or xeloc have ads?
Neither World XPay nor xeloc shows ads.
Which is updated more often, World XPay or xeloc?
World XPay ships an update every 3 months, and xeloc every 2 weeks. Most recently, World XPay was updated on September 15, 2026 and xeloc on September 12, 2026.

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