Comparison

PayPal vs BDO Pay

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

PayPal

Manage your finances with a secure app for online and in-store shopping, sending money globally, and earning cash back. It also offers savings accounts, cryptocurrency trading, and package tracking.

Highlights
  • Send and receive money globally
  • Earn cash back offers
  • Request a debit card
  • Buy, sell, and hold cryptocurrency
  • High-yield savings accounts
  • Track packages
Features
Read full description

PayPal is a smart way to securely shop in-store and online, earn rewards points on brands you love, send money and much more.​ SHOP WITH PURCHASE PROTECTION Get built-in protection before and after you buy, with support when something doesn't go as planned. *PayPal Purchase Protection is available on eligible transactions. See terms and limitations: https://www.paypal.com/us/legalhub/paypal/buyer-protection​ EARN POINTS ON EVERYDAY PURCHASES WITH THE PAYPAL DEBIT CARD   Choose a monthly category and earn 5% back in rewards points on up to $1000 spend/month. Terms apply: http://paypal.com/rewardspal  No monthly fees. The PayPal Debit Mastercard® is issued by The Bancorp Bank N.A. ("The Bancorp"), pursuant to a license by Mastercard International Incorporated and may be used everywhere Mastercard is accepted. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. The Bancorp is issuer of the Card only and not responsible for the associated accounts or other products, services, or offers from PayPal. PayPal is a financial technology company, not a bank. The Card is linked to your PayPal Balance account. See PayPal Balance Terms and Conditions: https://www.paypal.com/us/legalhub/pp-balance-tnc#holding​ SEND AND REQUEST MONEY, SECURELY & IN SECONDS Send money fast within the US and internationally to 110+ countries. Encrypted payments help keep financial details private and secure.​ BUY NOW PAY LATER In store single-use card is valid for one purchase and must be used within 24 hours of loan approval. *Pay in 4 is available upon approval for purchases of $10 - $2000 and is currently not available to residents of MO. 18 years old or older to apply. The lender for Pay in 4 is PayPal, Inc. (NMLS #910457).  Loans to CA residents are made or arranged pursuant to a CA Financing Law License. RI Small Loan Lender Licensee. NM residents: Go to paypal.com/us/webapps/mpp/campaigns/newmexicodisclosure. Learn more at paypal.com/payin4. TRACK YOUR PACKAGES View orders and delivery status until they arrive safely at your door. Not all sellers are participants.​   MANAGE YOUR SUBSCRIPTION ALL IN ONE APP The easy way to link and track all your subscriptions. ALL YOUR MONEY AND TRANSACTIONS IN ONE PLACE The new Me Tab lets you navigate your money, accounts, and settings right where you’d expect them. PayPal 2211 N 1st St San Jose, CA 95131

About

BDO Pay

This app allows users to make payments, send money, and pay bills directly from their bank accounts or credit cards without needing to cash in. It offers features like QR code payments, free transfers to BDO accounts, and bill payments with no service fees.

Highlights
  • Scan QR Ph codes
  • Send money for free to BDO accounts
  • Pay bills with no service fees
  • Request money from users
  • Split bills
  • Buy load
  • QR withdrawals and deposits
Features
Read full description

No fees on ALL transactions. No cash-in needed. No hassle. BDO Pay Mo Na! Pay directly from your BDO Bank Account or Credit Card and enjoy a seamless payment experience with BDO Pay. More reasons to love BDO Pay • Manage your BDO Credit Card and explore available Installment Offers. • View and redeem Rewards Points anytime, anywhere. • Enjoy exclusive BDO Deals and Promos for BDO Debit and Credit Cardholders. • Withdraw for free at any QR-enabled BDO ATM nationwide. • Lock or unlock your BDO Debit or Credit Card and manage limits with ease. • Open a Basic Account with no initial deposit and no maintaining balance required. BDO Unibank, Inc. is regulated by the Bangko Sentral ng Pilipinas: https://www.bsp.gov.ph. For inquiries and concerns, please reach us through https://www.bdo.com.ph/consumer-assistance. Deposits are insured by PDIC up to P1 Million per depositor. The BDO, BDO Unibank and other BDO-related trademarks are owned by BDO Unibank, Inc. All Rights Reserved.

Screenshots

PayPal4 screens
BDO Pay4 screens

Verdict

The call

The clearest difference is ads: BDO Pay at none against PayPal's shown. BDO Pay also leads on review sentiment (31% vs 21%) and iOS requirement (15.0 vs 17.4). PayPal's advantage is ratings volume (6.3M vs 1.2K) and update cadence (weekly vs monthly). On price, rating, 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

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 4.8 for PayPal against 4.8 for BDO Pay. That said, the two scores are not equally well evidenced: PayPal has 6.3M ratings behind it against 1.2K, so its average is the more settled of the two. Written reviews are what separate them: 21% of PayPal's written reviews are positive against 31% of BDO Pay's.

UpkeepUpdate frequency

PayPal ships an update weekly, BDO Pay monthly. Both last shipped on September 24, 2026.

Scorecard6 real differences · 5 level
PayPal versus BDO Pay: the parameters behind the verdict, then further details
ParameterPayPalBDO Pay
PriceFreeFree
Rating4.8 (6.3M ratings) — better4.8 (1.2K ratings)
Positive reviews21.4% of reviews30.8% of reviews — better
Number of ratings6.3M — better1.2K
Update frequencyWeekly — betterMonthly
AdsYesNo — better
In-app purchasesNoNo
MonetizationFree with in-app purchasesFree with in-app purchases
Best chart rank#4 — better—
DevicesiPhoneiPhone, iPod — better
Requires iOS17.415.0 — better
Further details — not scored
Size767 MB574 MB
Age rating4+4+
DeveloperPayPal, Inc.BDO Unibank, Inc.

Customer experience

PayPal

All ratings6,298,685 ratings
Positive95.2%
Neutral1.8%
Negative3.0%
Written reviews5,638 reviews
Positive21.4%
Neutral5.1%
Negative73.5%

BDO Pay

All ratings1,242 ratings
Positive94.6%
Neutral1.6%
Negative3.8%
Written reviews39 reviews
Positive30.8%
Neutral2.6%
Negative66.7%

Bugs and requests

PayPal

Reported bugs

3 issues
  • Account limitations and freezes with unclear reasons
  • Issues linking bank accounts and cards
  • Problems with refunds and chargebacks

Requested features

4 requests
  • Faster money transfers
  • More transparent policies and fees
  • Improved dispute resolution process
  • Better customer service accessibility

BDO Pay

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

PayPal

No in-app purchases

None

BDO Pay

No in-app purchases

Questions

Is PayPal free?
PayPal is free to download, with no in-app purchases.
Is BDO Pay free?
BDO Pay is free to download, with no in-app purchases.
Which has better reviews, PayPal or BDO Pay?
PayPal is rated higher. PayPal averages 4.8 out of 5 from 6.3M ratings, while BDO Pay averages 4.8 from 1.2K ratings.
Do PayPal or BDO Pay have ads?
PayPal shows ads; BDO Pay does not.
Which is updated more often, PayPal or BDO Pay?
PayPal ships an update weekly, and BDO Pay monthly. Most recently, PayPal was updated on September 24, 2026 and BDO Pay on September 24, 2026.

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