PayPay vs PicPay
PayPay
paypay.ne.jp
PicPay
picpay.comSide by side
| Figure | PayPay | PicPay |
|---|---|---|
| Price from | $1,980/mo | Free |
| Free plan | Yes | Yes |
| Free trial | — | — |
| Open source | — | — |
| Web | — | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| Plans published | 2 | 2 |
| Spec score · Peer-to-Peer Payment Apps | 8.5 (#6) | 8.1 (#11) |
| Spec score · Money Transfer Apps | 8.4 (#24) | 8.3 (#27) |
| Founded | 2018 | 2012 |
| Free plan | Yes | Yes |
| Headquarters | Tokyo, Japan | São Paulo, Brazil |
| Mobile platforms | both | both |
| Scheduled transfers | Yes | Yes |
| Security | PayPay describes 24/7 fraud monitoring, two-factor authentication, and encryption of customer payment card and bank account information. | The account page lists Seguro Mode, hidden balances and investments, device passcode access, geolocation and identity validation as security features. |
| Support | PayPay directs users with suspected unauthorized use or login problems to its Help pages. | PicPay directs customers to its online Help Center for questions and customer support. |
| Transfer speed | instant | instant |
| Transfer tracking | Yes | Yes |
| What it does | PayPay is a smartphone payment service that lets users pay by showing a barcode or scanning a QR code. | PicPay describes itself as a financial ecosystem offering accounts, payments, credit, investments, insurance and cards for individuals and businesses. |
Plans
In their own words
PicPay
PicPay is a financial service for individuals and businesses, offering accounts, payments, credit, investments, insurance, and cards. It is available on Android, iOS, and the web, and transfers are instant, trackable, and schedulable. For consumers, account features include scheduled Pix, Pix by WhatsApp, and contactless Pix using Google Pay. Users can split Pix and boleto payments into up to 12 installments on any card, or up to 36 installments with PicPay Parcela. Its debit and credit card is managed in the app and advertised without an annual fee. PicPay says account balances earn 102% of CDI on business days and offers Cofrinhos for savings goals. PicPay Empresas provides a card reader, payment links, PicPay Tap, and boleto payment options. Its Smart device combines order management, inventory control, and payment acceptance. The listed consumer and business accounts are free. PicPay directs customers to its online Help Center for questions and support.