PayPay
7.7#17 in money transfer appsFrom $1,980 a monthFree planAndroidiOS
VisitPayPay vs Wise
What both publish
| Fact | PayPay | Wise |
|---|---|---|
| Founded | 2018 | 2011 |
| Free plan | Yes | Yes |
| Headquarters | Tokyo, Japan | London, United Kingdom |
| Mobile platforms | both | The Wise app is available for iOS through the Apple App Store and for Android through Google Play. |
| Scheduled transfers | Yes | Yes |
| Security | PayPay describes 24/7 fraud monitoring, two-factor authentication, and encryption of customer payment card and bank account information. | Wise says it safeguards customer money separately from its own and uses two-step authentication to protect accounts and transactions. |
| Support | PayPay directs users with suspected unauthorized use or login problems to its Help pages. | Wise says its customer support is available by email, live chat, and phone, 24/7 in English and in 14 other languages. |
| Transfer speed | instant | On many popular routes, transfers can arrive within one day, the same day, or instantly. |
| Transfer tracking | Yes | The app shows the list and current status of transfers users have set up. |
PayPay plans
- PayPay appFree
- PayPay My Store Lite Plan$1,980 a month
Wise plans
- Wise personal account and transfersFree
Pick PayPay if…
It suits people who want to make smartphone payments at participating stores, pay bills, or transfer PayPay balance to friends and family. Store acceptance and transaction limits may affect whether it fits a particular user.
Pick Wise if…
Wise suits people sending money to overseas bank accounts or receiving payments from abroad. It may also suit users who want to track or schedule transfers and receive exchange-rate alerts.