PayEm vs Payy
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
PayEm
Manage company expenses on the go. Request funds, pay with shared cards, and easily upload receipts directly from your mobile device. This platform provides convenient access to financial tools for employees.
- Request funds
- Pay with shared cards
- Upload receipts
- Access company finances
- Mobile expense management
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The PayEm employee mobile app lets you request funds, pay on any shared card, and upload receipts. It’s the PayEm platform in the palm of your hands.
Payy
This app offers a global money transfer solution, enabling easy and private digital payments. Send stablecoins using payment links, and enjoy financial freedom without the risk of account suspension or freezing. A debit card is also available for spending.
- Send stablecoins with payment links
- No account freezing or suspension
- User-controlled funds
- Payy Card for spending
- Easy and private digital money
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Payy is the global money app for everyone. Other money apps have fees, limits and delays. Blockchains are clunky and unsafe. Payy is a new financial system built from the ground up to make digital money easy & private. • Send stablecoins with magical payment links — the receiver doesn’t even need to have Payy. • Never get debanked. Your account can never be frozen or suspended. Funds on Payy are controlled by you, not some bank. • Payy Card (limited availability) — spend stablecoins online or in shops, with unrivaled privacy.
Screenshots
Verdict
The clearest difference is review sentiment: Payy at 65% against PayEm's 0%. Payy also leads on update cadence (weekly vs monthly) and rating (4.1 vs 3.9). PayEm's advantage is iOS requirement (11.0 vs 15.5). On price, ads, in-app purchases and monetization model there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Payy holds the better App Store score, 4.1 against 3.9. Both are backed by a comparable volume of ratings — 8 and 35 respectively. Written reviews point the same way: 0% of PayEm's written reviews are positive against 65% of Payy's.
PayEm ships an update monthly, Payy weekly. The most recent releases landed on October 8, 2026 and October 16, 2026 respectively.
| Parameter | PayEm | Payy |
|---|---|---|
| Price | Free | Free |
| Rating | 3.9 (8 ratings) | 4.1 (35 ratings) — better |
| Positive reviews | 0.0% of reviews | 65.0% of reviews — better |
| Number of ratings | 8 | 35 — better |
| Update frequency | Monthly | Weekly — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPod | iPhone, iPad, iPod — better |
| Requires iOS | 11.0 — better | 15.5 |
| Further details — not scored | ||
| Size | 46 MB | 130 MB |
| Age rating | 4+ | 4+ |
| Developer | PayEm Card Ltd | Polybase Labs |
Customer experience
PayEm
Payy
In-app purchases
PayEm
No in-app purchases
Payy
No in-app purchases
