Side by side

PhonePe vs VirtualCards

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

PhonePe

Free plan AndroidiPhone

PhonePe combines consumer payments and related services with options for merchant payment acceptance. Its consumer app is free, while Enterprise gateway pricing is custom.

Visit PhonePe

VirtualCards combines an offline-capable loyalty card wallet with merchant program and campaign tools. Its Free merchant plan has card, offer, notification, and access limits; paid plans cost 50.00 EUR or €99 a month before applicable VAT.

Visit VirtualCards

The facts

	PhonePe	VirtualCards
Free plan	Yes	Yes
Open source	Not published	Not published
Runs on	Android, iPhone	Android, iPhone, Web
Lowest paid plan	Free or on request	Starter: €400 a year
Plans published	2	5
Maker	PhonePe	Not published
Website	phonepe.com	virtualcardsapp.com
On digital wallet apps	#30 of 44	#34 of 44

PhonePe: what it does well

Instant transfers to UPI IDs, mobile numbers, or bank accounts
Transfer tracking and scheduled transfers are listed
Supports bills and several types of recharges
Available on Android and iOS
Gateway supports UPI, cards, and net banking

What to know first

International UPI is limited to select merchants in six countries
Enterprise gateway pricing is custom and not listed

VirtualCards: what it does well

Saved loyalty cards can be used offline
Consumers can add cards by scan, screenshot, or entry
Merchant programs support points, stamps, coupons, and tiers
Dashboard reports customer activity and campaign performance
Available on Android, iOS, and web

What to know first

Free plan is limited to 50 cards
Free plan excludes coupons and multi-user access
Free plan allows one offer and one push notification monthly
VAT is added to displayed merchant plan prices at checkout

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