PayPay vs Xoom
| PayPay | Xoom | |
|---|---|---|
| Free plan | Yes | No |
| Free trial | No | No |
| Paid from | $1,980/mo | — |
| Open source | No | No |
| Platforms | Android, iOS | Android, iOS, Web |
| Free plan | Yes | — |
| Transfer speed | instant | instant |
| Mobile platforms | both | both |
| Transfer tracking | Yes | Yes |
| Scheduled transfers | Yes | — |
| Exchange-rate model | — | markup |
| Upfront fee display | — | Yes |
Both are listed in Best Money Transfer Apps, Best Peer-to-Peer Payment Apps. On Specifiction, Xoom scores higher on our published basis.