XPAY Collection vs U
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
XPAY Collection
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Introducing the XPAY It is the Latest app available for payment collection. You can simply generate a link and share it to your customers, friends and start accepting payments from them. XPAY is EASY! XPAY is FAST! XPAY is SAFE! This app is very easy to use and helps you to manage the payments of your business conveniently. And you can create accounts for your staff and let them do the business for you. You can give different permissions to each staff member and it is very easy to manage. You also get your own online store with XPAY. It is called the XStore. You can list your products in the XStore and start accepting orders right away. If you have your own website, you can integrate with XPAY Payment Gateway and you can accept orders from your own website. You can use XPAY to collect payments using KNET and Visa / Master cards. And you can get payouts within 24hrs. We have our AMAZING customer support if you need any help or require assistance with your questions.
U
This app serves as a security key for a business payroll service, providing two-factor authentication to authorize fund transfers. It ensures high security by not operating on rooted or jailbroken devices.
- Two-factor authentication
- Fund transfer authorization
- Business account security
- Rooted/jailbroken device restriction
- Simple activation and usage
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U-Pay Guard is the security key for U-Pay Business Account Payroll service provided by U-Pay Digital Plc. It work as the two-factor authentication for U-Pay business clients to athorize the funds transfer operated in their business account. How to: U-Pay Guard has a simple activation and usage flow. In order to link U-Pay Guard with your buisiness account, please follow the instruction in APP. Security: As we considered your convenience and security as our top priority, we do not allow U-Pay Guard to work in rooted nor in jailbroken smartphones to ensure that no other external systems can gain access to it, ensuring highest level of security.
Screenshots
Verdict
The clearest difference is update cadence: XPAY Collection at every 2 weeks against U's every 17 months. On price, ads, 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.
XPAY Collection ships an update every 2 weeks, U every 17 months. The most recent releases landed on October 11, 2026 and October 20, 2026 respectively.
| Parameter | XPAY Collection | U |
|---|---|---|
| Price | Free | Free |
| Rating | — | 5.0 (1 ratings) — better |
| Number of ratings | — | 1 — better |
| Update frequency | Every 2 weeks — better | Every 17 months |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | — | Free |
| Devices | iPhone, iPad, iPod | iPhone, iPad, iPod |
| Requires iOS | 13.0 | 12.0 — better |
| Further details — not scored | ||
| Size | 69 MB | 28 MB |
| Age rating | 12+ | 4+ |
| Developer | XPay Collection Electronic Payment And Settlement Systems Co | U-Pay Digital Plc. |
In-app purchases
XPAY Collection
No in-app purchases
U
No in-app purchases
