Side by side

Payconiq vs PayPay

Both stand on money transfer apps. Which one you can start free with, which one lets you read the code, and what each costs once you pay.

Payconiq

Free plan AndroidAPIiPhone

Payconiq supports consumer payments and several merchant checkout methods through participating banks. Its stated move to Wero in 2026 is an important consideration for anyone choosing it.

Visit Payconiq

Pick PayPay if you want a free-to-register smartphone payment app with store payments, balance transfers, and additional bill and delivery functions. Check whether the stores you use participate and consider the applicable limits and mobile data charges; merchants should also review the payment fees and Lite Plan conditions.

Visit PayPay

The facts

	Payconiq	PayPay
Free plan	Yes	Yes
Open source	Not published	Not published
Runs on	Android, API, iPhone	Android, iPhone
Lowest paid plan	Free or on request	PayPay My Store Lite Plan: $1,980 per store a month
Plans published	1	2
Maker	Payconiq	PayPay
Website	payconiq.lu	paypay.ne.jp
On money transfer apps	#38 of 81	#34 of 81

Payconiq: what it does well

Payments go directly between bank accounts
Supports Android and iOS bank apps
Offers QR-code and App2App checkout
User payments and transfers are free

What to know first

Availability depends on participating banks
Mobile-operator communication costs are excluded
Payconiq payments are migrating to Wero in 2026

PayPay: what it does well

Available on both Android and iOS.
Supports barcode and QR-code payments.
Send balance to friends and family.
Instant, tracked, and scheduled transfers are listed.
Earn PayPay Points on purchases, according to PayPay.

What to know first

Acceptance varies by participating store.
Mobile data use incurs charges.
Payment, top-up, and transfer limits apply.
A smartphone capable of receiving SMS verification is required.

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