mPay vs ParagonOS™

Pay easier than ever before with mPay! Join nearly 2 million users and manage all your finances in a single app. - Visa mPay multicurrency Debit Card: Pay in Poland and abroad. - Send & receive money with free instant money transfers to other users - Public transport and train tickets: Buy fast, plan your trips, and skip the queues. Get tickets from top carriers in Poland, including PKP Intercity. - Parking payments: Pay only for the time you park. Stop and resume parking anytime, anywhere. - Car and travel insurance: Access dozens of offers in seconds. - Need some extra cash? Get loans in the app—quick and hassle-free. Flexible loan options tailored to your needs: - Up to PLN 5,000* – first loan with RRSO 0%, repay in 61 days. - Up to PLN 9,6000 – RRSO 76.88%, repay in up to 12 months. - Up to PLN 25,000 – RRSO 53.92%, repay in up to 42 months. Download the app now and enjoy freedom in your everyday payments! The minimum and maximum loan period available to customers through mPay S.A. is 61 days. The minimum and maximum APR for the first loan is 0%, provided the loan is repaid within 61 days. The maximum APR for subsequent loans is 76.88%, provided the loan is repaid within 61 days. The loan provider is Soonly Finance sp. z o.o. Loan approval depends on the applicant’s creditworthiness assessment. Representative example for the first loan provided through mPay S.A.: Annual Percentage Rate (APR): 0% based on the following assumptions: total loan amount PLN 1,000; total amount to be repaid PLN 1,000; fixed annual interest rate: 0%; total loan cost: PLN 0; agreement duration: 61 days. Data as of March 5, 2026. Representative example for subsequent loans provided through mPay S.A.: Annual Percentage Rate (APR): 76.88% based on the following assumptions: total loan amount PLN 2,700; total amount to be repaid PLN 2,970; fixed annual interest rate: 0%; total loan cost: PLN 290 (fee: PLN 270, interest: PLN 0); agreement duration: 61 days. Data as of March 5, 2026. The personal data administrator is Soonly Finance sp. z o.o., headquartered at ul. Żwirki i Wigury 16c, 02-092 Warsaw, Poland. Tax ID (NIP): 525-253-13-20, REGON: 146101268. Registered at the District Court for the Capital City of Warsaw in Warsaw, 14th Commercial Division of the National Court Register, KRS 0000418977. Entry number in the Register of Credit Intermediaries and Loan Institutions maintained by the Polish Financial Supervision Authority: RIP000020. Share capital: PLN 40,019,100. All information regarding the principles of personal data processing, purposes of processing, legal grounds, categories of data recipients, data processing periods, whether providing data is mandatory or voluntary, the consequences of not providing data, automated decision-making, and your rights can be found in our Privacy Policy: https://www.soonly.pl/nasza-polityka-prywatnosci

ParagonOS™ – Your smart wallet for bottle returns, receipts, and loyalty cards. Organize your expenses, track warranties, and never lose a bottle deposit receipt again! ParagonOS is your personal, secure iPhone wallet designed to keep your reverse vending machine receipts, shopping receipts, and loyalty cards in one convenient place. KEY FEATURES: * Smart Bottle Deposit Tracking: Scan your reverse vending machine receipt and let the app automatically extract the store network, amount, date, and barcode (you can always edit the details before saving). ParagonOS will send you a reminder before your deposit voucher expires. At the checkout, simply show the barcode or photo on your screen.
 * Receipt Scanner & Organizer: Snap a photo of your shopping receipt. ParagonOS instantly recognizes the store, amount, and date. The app neatly organizes your purchases and automatically tracks warranty periods and return windows.
 * Loyalty Cards & Apple Wallet Integration: Declutter your physical wallet. Add your loyalty cards to the app and scan them at checkout, or add them directly to your Apple Wallet. Cards imported from ParagonOS are smartly grouped together in Apple Wallet for easy access.
 * Deposit Machine Map: Easily locate nearby reverse vending machines and stores that accept bottle returns. Your location data is used strictly for this feature and never leaves your device.
 * Family Sharing via iCloud: Share specific receipts, deposit vouchers, or loyalty cards with your family members. You can share each category separately, safely synced through Apple's iCloud.
 * Privacy First: No registrations, no custom accounts, no logins or passwords on our end. All your data is kept securely on your device and within your private iCloud account.
 Disclaimer: ParagonOS is not affiliated with any retail chain. It acts as your personal digital document wallet. We cannot guarantee that every store's POS scanner will read barcodes directly from a smartphone screen. Download ParagonOS today and keep everything at your fingertips – eco-friendly, secure, and paperless!