Sword Pay vs MChatClient
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- International money transfers
- Crypto buying, selling, and trading
- Encrypted chat and file sharing
- Split payments among contacts
- Two-factor authentication
- No monthly banking fees
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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.
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.
- Decentralized Matrix-based communication
- End-to-end encryption
- Real-time messaging
- Group chats
- Voice messages
- Media sharing
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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
Verdict
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
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
| Parameter | Sword Pay | MChatClient |
|---|---|---|
| Price | Free | Free |
| Rating | 3.0 (2 ratings) — better | — |
| Positive reviews | 83.3% of reviews — better | 0.0% of reviews |
| Number of ratings | 2 — better | — |
| Update frequency | Every 5 weeks | — |
| Ads | Yes | No — better |
| In-app purchases | No | No |
| Monetization | Ad-supported | Free — better |
| Devices | iPhone, iPod | iPhone, iPod |
| Requires iOS | 14.0 — better | 15.0 |
| Further details — not scored | ||
| Size | 171 MB | 130 MB |
| Age rating | 4+ | 4+ |
| Developer | Excalibur Ascension ltd | Feride Emircan |
Customer experience
Sword Pay
MChatClient
In-app purchases
Sword Pay
No in-app purchases
MChatClient
No in-app purchases









