PayPay vs Splitwise
PayPay
paypay.ne.jpSplitwise
splitwise.comSide by side
| Figure | PayPay | Splitwise |
|---|---|---|
| Price from | $1,980/mo | Free |
| Free plan | Yes | Yes |
| Free trial | — | Yes |
| Open source | — | — |
| Web | — | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | — | Yes |
| Plans published | 2 | 8 |
| Spec score · Peer-to-Peer Payment Apps | 8.5 (#6) | 8.8 (#3) |
| Founded | 2018 | 2011 |
| Free plan | Yes | Yes |
| Headquarters | Tokyo, Japan | Providence, Rhode Island, USA |
| Security | PayPay describes 24/7 fraud monitoring, two-factor authentication, and encryption of customer payment card and bank account information. | Splitwise says it uses technical and administrative security measures, including encryption techniques and authentication procedures, to protect online sessions. |
| Support | PayPay directs users with suspected unauthorized use or login problems to its Help pages. | Splitwise lists email support and says it aims to reply to most support requests within one business day. |
| What it does | PayPay is a smartphone payment service that lets users pay by showing a barcode or scanning a QR code. | Splitwise is a Providence-based service for recording shared bills and IOUs so participants can see who owes whom. |
Plans
Splitwise
- Individual + Trip PassPrice not published
- Duo + Trip PassPrice not published
- Monthly subscriptionPrice not published
- FreeFree
- FreeFree
- Splitwise Pro monthly$4.99 a month
- Splitwise Pro annual$39.99 a year
- Splitwise ProPriced on request
In their own words
Splitwise
Splitwise organizes shared expenses and IOUs for friends, families, housemates, and trip groups. Users can divide costs equally or unequally, including by percentage or shares, while the service calculates balances and can simplify debts among group members. It includes recurring expenses, offline mode, and cloud sync, and lists support for more than 100 currencies. Pro adds currency conversion using current foreign exchange rates, receipt scanning, itemization, charts, graphs, and expense search. Users can record cash or online payments; Splitwise Pay supports sending payments to friends in the United States. Pro transaction import connects a credit or debit card to show recent purchases for splitting, a feature currently available only in the US. Splitwise is available on Android, iOS, and the web, and offers an API for authorized third-party access. Expense details are visible to the friends or group members they are shared with. The free plan costs nothing and includes unlimited expenses, groups, friends, and balances. Splitwise says its expense and payment records are informal and not legally binding.