| Price from | — | Free |
| Free plan | — | Yes |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | — |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | Yes | Yes |
| Plans published | 3 | 1 |
| Spec score · Money Transfer Apps | 8.8 (#10) | 8.1 (#40) |
| Spec score · Digital Wallet Apps | 8.2 (#16) | 8.0 (#25) |
| Fees | Paysend charges a fixed per-transfer fee that varies by country and delivery method; currency conversions include an exchange-rate margin, and third-party fees may apply. | The fee schedule lists free wallet-balance and linked domestic-bank payments, while some international-card transactions and transfers above a monthly free allowance incur fees. |
| Upfront fee display | Yes | Yes |
| Headquarters | Edinburgh, Scotland, United Kingdom | Ho Chi Minh City, Vietnam |
| Mobile platforms | both | both |
| Security | Paysend’s security article says transfers follow Visa, Mastercard, China UnionPay, FCA, and PCI DSS standards. | ZaloPay says it holds PCI DSS and ISO 27001 information-security certifications. |
| Transfer speed | instant | instant |
| What it does | Paysend sends international transfers from a phone or web account to cards, bank accounts, digital wallets and, where available, cash pickup. | ZaloPay provides an e-wallet and payment services, including transfers, bill payments, online shopping, and entertainment payments. |
