Lydia vs PayPay
Lydia
lydia.me
PayPay
paypay.ne.jpSide by side
| Figure | Lydia | PayPay |
|---|---|---|
| Price from | Free | $1,980/mo |
| Free plan | Yes | Yes |
| Free trial | — | — |
| Open source | — | — |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| Plans published | 2 | 2 |
| Spec score · Peer-to-Peer Payment Apps | 7.9 (#14) | 8.5 (#6) |
| Spec score · Money Transfer Apps | 7.4 (#71) | 8.4 (#24) |
| Free plan | Yes | Yes |
| Headquarters | Paris, France | Tokyo, Japan |
| Support | Lydia says customers can contact their assigned support team through the app or by email, with an average response time of 12 hours. | PayPay directs users with suspected unauthorized use or login problems to its Help pages. |
Plans
In their own words
Lydia
Lydia is a mobile app for paying, sending and receiving money, and collecting contributions. It runs on Android and iOS, and sending money to a contact by phone number or email is free; the recipient does not need a Lydia account. Lydia says transfers can be sent to euro accounts at payment service providers in the SEPA zone. Users can create customizable money pots for events with friends, family or coworkers, taking contributions by card, bank transfer, Apple Pay or Google Pay. Pots are not intended for public donations or fundraising for causes. Collected funds can be withdrawn in one or more transfers or used for an Amazon.fr gift card. Pot creation and participation are free; gift-card withdrawals are free, while withdrawals to a Lydia Wallet or bank are free for Lydia/Sumeria app contributions and cost 4% for other contributions. The wallet is free to open. Card-funded sends and top-ups are free up to €250 per month, then cost 2.5%; online card receipts cost 2.5%. Lydia lists strong authentication for sensitive actions and support through the app or email, with an average response time of 12 hours.