Comparison

Sword Pay vs Phlixy

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

Head to head
About

Sword Pay

This app offers secure international payments and encrypted communication. Send and receive money or crypto, chat with contacts, and share encrypted files globally without monthly banking fees.

Highlights
  • International money transfers
  • Crypto buying, selling, and trading
  • Encrypted chat and file sharing
  • Split payments among contacts
  • Two-factor authentication
  • No monthly banking fees
Features
Read full description

SWORD Protected International Payments International Payment Solution KEY WORDS Wallet, Pay, P2P, Send money HOW IT WORKS Download the SWORD App and sign up in 2 simple steps. Follow our Two Factor Authentication process and start using your SWORD right away. ABOUT THIS APP An encrypted global payment solution connecting you to the world. To Protect. To Provide. To Conquer. SWORD protects and provides both your payment and communication needs (Telegram Encryption). Creating a platform for you to connect to billions of people. Chat, Make Payments, Receive Funds, Trade Crypto and Share encrypted media with No monthly banking Fees. Expand your world through SWORD and take ownership of what’s yours. SEND AND REQUEST MONEY INTERNATIONALLY Send and Request funds while directly communicating with your contacts or customers, securely and instantly. Enjoy the security of industry leading payment features to send or receive money in cash or crypto directly. Send or Request funds to Anyone, Anywhere, Anytime and keep in direct communication with In-App Encrypted Chat. BUY, SELL, SEND, AND RECEIVE CRYPTO Swift, Simplified and Social way to trade over 350 Crypto assets. Easily start or maintain your crypto wallet through SWORD. Send, Request, Buy, Hold, Sell, Exchange and FileShare with crypto. Please be aware that Crypto is volatile , Purchasing crypto involves risk as the value may rise and fall quickly. Consider seeking advice from your financial adviser. SPLIT A PAYMENT OR A REQUEST BETWEEN MULTIPLE CONTACTS Easily Pay or Send (a) Payment Request to multiple people at once. Select the contact or group and customise the payment. Or have Sword split the amounts equally for you. SHARE ENCRYPTED FILES FileShare - Empowering users to protect their work. Send it regularly in chat for free or include FileShare with a payment request. **SWORD is a financial technology platform, not a bank. Banking services are provided and issued by SWORD banking partners, not Excalibur Ascension LLC.

About

Phlixy

This app allows creators and freelancers to securely share their content after payment is received. Buyers can preview content with protection against screenshots and screen recording before purchase, ensuring creators get paid before delivering final files.

Highlights
  • Secure content locking
  • Payment-triggered content unlock
  • Screenshot and screen recording protection
  • Customizable pricing and access
  • Direct payment links
  • Encrypted file access
Features
Read full description

You did the work. Now get paid for it. Phlixy is for creators, influencers, and freelancers who are done getting burned. Done chasing invoices. Done watching their content get screenshotted and reposted. Done handing over finished work and hoping the money shows up. Here's the deal. You upload your content and lock it. Your buyer gets a secure link. The second their payment clears, the content unlocks. Until then, it stays yours. And before anyone pays, they can preview your content securely. No screenshots. No screen recording. No saving it to a camera roll. They see enough to know it's worth buying, but they can't take a single frame until they've paid for it. BUILT FOR THE WAY YOU ACTUALLY WORK - Working with a small brand or startup? Protect your content while you build the relationship. Your campaign stays locked and releases the moment they pay, so you're never out a finished deliverable before the money lands. - Doing a brand deal? Hand off your shoot, your edit, your campaign assets. The brand pays, the files unlock, and you've got proof of delivery and payment in one place. - Selling to your own audience? Drop a link in your bio or your DMs. Your fans pay, your content unlocks, and you keep what you earn. - Freelance or client work? Stop sending finished files on a promise. Your deliverable stays locked until the client pays. YOUR CONTENT, YOUR RULES - Every file is encrypted, with view-only access and screen protection that holds even during a preview. - No public profile, no feed, no search. Nobody finds you by accident. Buyers reach you only because you sent them there. - You set the price, you set the access, you set the terms on every deal. - Your audience is yours. No algorithm decides who sees your work, and no platform decides when you get paid. This is your content vault and your own payment link in one place. You built the audience. Phlixy is how you finally get paid for it without losing control of a single file. Create. Protect. Influence. Terms of Use: https://phlixy.app/terms

Screenshots

Sword Pay4 screens
Phlixy4 screens

Verdict

The call

The clearest difference is rating: Phlixy at 5.0 against Sword Pay's 3.0. Phlixy also leads on ads (none vs shown) and update cadence (weekly vs every 5 weeks). Sword Pay's advantage is in-app purchases (none vs 2) and iOS requirement (14.0 vs 26.0). On price, ratings volume 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Phlixy sells 2 in-app purchases, starting at $14.99 per month. Sword Pay asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

Phlixy holds the better App Store score, 5.0 against 3.0. Both are backed by a comparable volume of ratings — 2 and 3 respectively.

UpkeepUpdate frequency

Sword Pay ships an update every 5 weeks, Phlixy weekly. The most recent releases landed on October 13, 2026 and October 24, 2026 respectively.

Scorecard6 real differences · 4 level
Sword Pay versus Phlixy: the parameters behind the verdict, then further details
ParameterSword PayPhlixy
PriceFreeFree
Rating3.0 (2 ratings)5.0 (3 ratings) — better
Positive reviews83.3% of reviews—
Number of ratings23 — better
Update frequencyEvery 5 weeksWeekly — better
AdsYesNo — better
In-app purchasesNo — betterYes
MonetizationAd-supportedFree — better
DevicesiPhone, iPod — betteriPhone
Requires iOS14.0 — better26.0
Further details — not scored
Size171 MB88 MB
Age rating4+17+
DeveloperExcalibur Ascension ltdNemexis

Customer experience

Sword Pay

All ratings2 ratings
Positive50.0%
Neutral0.0%
Negative50.0%
Written reviews6 reviews
Positive83.3%
Neutral0.0%
Negative16.7%

Phlixy

All ratings3 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

Sword Pay

No in-app purchases

2 purchases

Phlixy

Subscriptions2
  • Creator Monthly14 Days trial$14.991 Month
  • Creator Annual14 Days trial$149.001 Year

Questions

Is Sword Pay free?
Sword Pay is free to download, with no in-app purchases.
Is Phlixy free?
Phlixy is free to download, with in-app purchases available.
Which has better reviews, Sword Pay or Phlixy?
Phlixy is rated higher. Sword Pay averages 3.0 out of 5 from 2 ratings, while Phlixy averages 5.0 from 3 ratings.
Do Sword Pay or Phlixy have ads?
Sword Pay shows ads; Phlixy does not.
Which is updated more often, Sword Pay or Phlixy?
Sword Pay ships an update every 5 weeks, and Phlixy weekly. Most recently, Sword Pay was updated on October 13, 2026 and Phlixy on October 24, 2026.

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