Comparison

XedlaPay vs Payinto

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

Head to head
About

XedlaPay

This platform provides secure and efficient payment solutions, including an escrow system for buyer-seller trust and live chat for communication. It offers virtual USD cards for international payments and supports various financial transactions like bill payments and airtime top-ups.

Highlights
  • Escrow payment system
  • Live chat for communication
  • Virtual USD cards
  • Intra and inter-bank transfers
  • Utility bill payments
  • Airtime and data top-ups
Features
Read full description

Xedlapay is a payment platform offering secure and efficient transaction solutions. Its features include an escrow payment system to build trust between buyers and sellers, with a live chat function for seamless communication, virtual USD cards for international online payments , and intra and inter-bank transfers for effortless money movement. Additionally, Xedlapay supports utility bill payments, airtime top-ups, and data purchases, making it a comprehensive tool for managing everyday financial needs. Contact Us: WEBSITE: https://www.xedla.com/ EMAIL: marketing@xedla.com COMPLAINT/FEEDBACK: feedback@xedla.com

About

Payinto

Manage personal and business finances efficiently. Send and receive money, create payment links and invoices, and pay bills. Organize savings groups and track cash flow with smart payment tools.

Highlights
  • Send and receive money
  • Create payment links and invoices
  • Pay bills (airtime, data, electricity)
  • Organize Osusu (rotational savings)
  • Track expenses and cash flow
  • Manage multiple accounts/profiles
  • QR/scan-based payments
Features
Read full description

Payinto helps you run business and personal finances from one app. Send money fast, receive payments with links and invoices, pay everyday bills, and stay in control of cash flow. With Payinto, you can: - Send and receive money with ease - Create payment links to collect payments quickly - Generate invoices for customers - Sell event tickets with no extra charges. - Pay essential bills: airtime, mobile data, electricity, and cable TV - Track expenses and monitor your cashflow - Set up scheduled payments - Set up and organise Osusu (rotational group savings) with ease. - Manage multiple accounts/business profiles in one place - Use smart, fast payment tools like QR/scan-based payment flows and voice-assisted actions. Built for speed, clarity, and control, Payinto gives you practical tools to manage money and payment operations daily so you can focus on growth.

Screenshots

XedlaPay4 screens
Payinto4 screens

Verdict

The call

The clearest difference is update cadence: XedlaPay at every 3 weeks against Payinto's every 2 months. XedlaPay also leads on iOS requirement (14.0 vs 16.4). On price, rating, ratings volume and ads 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.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 5.0 for XedlaPay against 5.0 for Payinto. Both are backed by a comparable volume of ratings — 2 and 2 respectively.

UpkeepUpdate frequency

XedlaPay ships an update every 3 weeks, Payinto every 2 months. The most recent releases landed on October 2, 2026 and October 12, 2026 respectively.

Scorecard2 real differences · 8 level
XedlaPay versus Payinto: the parameters behind the verdict, then further details
ParameterXedlaPayPayinto
PriceFreeFree
Rating5.0 (2 ratings)5.0 (2 ratings)
Positive reviews100.0% of reviews—
Number of ratings22
Update frequencyEvery 3 weeks — betterEvery 2 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPad, iPod — betteriPhone, iPad
Requires iOS14.0 — better16.4
Further details — not scored
Size72 MB129 MB
Age rating17+4+
DeveloperXedla PayRetenvo Technologies Limited

Customer experience

XedlaPay

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews1 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Payinto

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

XedlaPay

No in-app purchases

None

Payinto

No in-app purchases

Questions

Is XedlaPay free?
XedlaPay is free to download, with no in-app purchases.
Is Payinto free?
Payinto is free to download, with no in-app purchases.
Which has better reviews, XedlaPay or Payinto?
XedlaPay and Payinto are both rated 5.0 out of 5 on the App Store, from 2 and 2 ratings respectively.
Do XedlaPay or Payinto have ads?
Neither XedlaPay nor Payinto shows ads.
Which is updated more often, XedlaPay or Payinto?
XedlaPay ships an update every 3 weeks, and Payinto every 2 months. Most recently, XedlaPay was updated on October 2, 2026 and Payinto on October 12, 2026.

Other comparisons