M-PESA vs Xoom
| M-PESA | Xoom | |
|---|---|---|
| Free plan | No | No |
| Free trial | No | No |
| Paid from | — | — |
| Open source | No | No |
| Platforms | iOS, Android | Web, iOS, Android |
| Mobile platforms | both | both |
| Scheduled transfers | Yes | — |
| Transfer speed | — | instant |
| Exchange-rate model | — | markup |
| Upfront fee display | — | Yes |
| Transfer tracking | — | Yes |
Both are listed in Best Money Transfer Apps, Best Peer-to-Peer Payment Apps. On Inferse, Xoom scores higher on our published basis.