# Sword Pay vs MChatClient

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.

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

## The numbers

| Metric | Sword Pay | MChatClient |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[3.0 (2 ratings)](https://appshunter.io/ios/app/sword-pay/id6471235248/reviews)** | — |
| Number of ratings | **2** | — |
| Positive reviews | **83.3% of reviews** | 0.0% of reviews |
| In-app purchases | No | No |
| Ads | Yes | **No** |
| Update frequency | Every 5 weeks | — |
| Monetization | Ad-supported | **Free** |
| Size | 171 MB | 130 MB |
| Requires iOS | **14.0** | 15.0 |
| Devices | iPhone, iPod | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Excalibur Ascension ltd](https://appshunter.io/developer/1669498404) | [Feride Emircan](https://appshunter.io/developer/1685439973) |

## What reviewers say

### Sword Pay

[App page](https://appshunter.io/ios/app/sword-pay/id6471235248)

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:** Siri integration, Apple Wallet

**In-app purchases:** none


### MChatClient

[App page](https://appshunter.io/ios/app/mchatclient/id6695760402)

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:** macOS Compatibility

**In-app purchases:** none


## Frequently asked 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.

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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.*