# XATOXI vs AccessPay

The clearest difference is rating: AccessPay at 4.6 against XATOXI's 3.7. AccessPay also leads on review sentiment (67% vs 43%). XATOXI's advantage is iOS requirement (10.0 vs 15.6). On price, ratings volume, update cadence and ads there is nothing between them.

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

AccessPay holds the better App Store score, 4.6 against 3.7. Both are backed by a comparable volume of ratings — 6 and 11 respectively. Written reviews point the same way: 43% of XATOXI's written reviews are positive against 67% of AccessPay's.

Both ship on a similar rhythm, roughly every 3 weeks. The most recent releases landed on October 2, 2026 and October 24, 2026 respectively.

## The numbers

| Metric | XATOXI | AccessPay |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.7 (6 ratings)](https://appshunter.io/ios/app/xatoxi/id1561289510/reviews) | **[4.6 (11 ratings)](https://appshunter.io/ios/app/accesspay/id6740498074/reviews)** |
| Number of ratings | 6 | **11** |
| Positive reviews | 42.9% of reviews | **66.7% of reviews** |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | Every 3 weeks | Every 3 weeks |
| Monetization | Free | Free |
| Size | 68 MB | 100 MB |
| Requires iOS | **10.0** | 15.6 |
| Devices | iPhone, iPod | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Xatoxi, LLC](https://appshunter.io/developer/1561289512) | [Corporacion 7NET](https://appshunter.io/developer/1790259504) |

## What reviewers say

### XATOXI

[App page](https://appshunter.io/ios/app/xatoxi/id1561289510)

This mobile platform facilitates instant international remittances and payments to individuals and businesses. It also enables currency exchange operations and payments using advanced technological alternatives, all secured with end-to-end encrypted technology.

**Highlights:** Instant remittance reception and sending, Immediate payments to individuals and businesses, Financial instrument currency exchange, Technological payment alternatives, End-to-end encrypted security

**In-app purchases:** none


### AccessPay

[App page](https://appshunter.io/ios/app/accesspay/id6740498074)

This app offers a secure and user-friendly platform for various electronic payment solutions. It allows for interbank transactions, QR/NFC payments, and digital card management, aiming to simplify financial operations.

**Highlights:** Tokenized card payments, QR and NFC payments, Interbank P2P transfers, Digital prepaid card, Payment links, Virtual lock security

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is XATOXI free?

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

### Is AccessPay free?

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

### Which has better reviews, XATOXI or AccessPay?

AccessPay is rated higher. XATOXI averages 3.7 out of 5 from 6 ratings, while AccessPay averages 4.6 from 11 ratings.

### Do XATOXI or AccessPay have ads?

Neither XATOXI nor AccessPay shows ads.

### Which is updated more often, XATOXI or AccessPay?

XATOXI ships an update every 3 weeks, and AccessPay every 3 weeks. Most recently, XATOXI was updated on October 2, 2026 and AccessPay on October 24, 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.*