Comparison

Sword Pay vs MChatClient

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

MChatClient

A secure and decentralized chat application built on the Matrix protocol. It offers real-time messaging, group chats, voice messages, and media sharing with end-to-end encryption for private conversations. The app provides a modern, intuitive interface for seamless cross-device communication.

Highlights
  • Decentralized Matrix-based communication
  • End-to-end encryption
  • Real-time messaging
  • Group chats
  • Voice messages
  • Media sharing
Features
Read full description

Stay connected with friends, family, and teams using our secure and decentralized Matrix-based chat app. Enjoy real-time messaging, group chats, voice messages, and media sharing, all while maintaining complete control over your data. Built on the Matrix protocol, our app offers end-to-end encryption, ensuring your conversations are private and secure. Whether you’re chatting one-on-one or collaborating in groups, experience seamless communication across devices. Stay in sync with a modern, intuitive interface designed for fast, easy, and private messaging.

Screenshots

Sword Pay4 screens
MChatClient4 screens

Verdict

The call

The clearest difference is review sentiment: Sword Pay at 83% against MChatClient's 0%. MChatClient's advantage is ads (none vs shown) and monetization model (free vs ad-supported). On price, in-app purchases, device support and iOS requirement 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. Neither carries in-app purchases, so what you see is what you pay.

Scorecard3 real differences · 7 level
Sword Pay versus MChatClient: the parameters behind the verdict, then further details
ParameterSword PayMChatClient
PriceFreeFree
Rating3.0 (2 ratings) — better—
Positive reviews83.3% of reviews — better0.0% of reviews
Number of ratings2 — better—
Update frequencyEvery 5 weeks—
AdsYesNo — better
In-app purchasesNoNo
MonetizationAd-supportedFree — better
DevicesiPhone, iPodiPhone, iPod
Requires iOS14.0 — better15.0
Further details — not scored
Size171 MB130 MB
Age rating4+4+
DeveloperExcalibur Ascension ltdFeride Emircan

Customer experience

Sword Pay

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

MChatClient

Written reviews1 reviews
Positive0.0%
Neutral0.0%
Negative100.0%

In-app purchases

None

Sword Pay

No in-app purchases

None

MChatClient

No in-app purchases

Questions

Is Sword Pay free?
Sword Pay is free to download, with no in-app purchases.
Is MChatClient free?
MChatClient is free to download, with no in-app purchases.
Do Sword Pay or MChatClient have ads?
Sword Pay shows ads; MChatClient does not.

Other comparisons