Ready for a new way to bill pay? Papaya is a Free, award-winning app that lets you pay all of your bills, just by snapping a photo.

That's right. No more mailing checks, making phone calls, or logging into twelve different accounts to make payments. And the best part? Papaya is FREE to use!

The Papaya app makes bill pay fast, easy and pain-free. In fact, we use the same game-changing technology that you use to deposit a check on your banking app. Simply take a picture of your bill and your payment is sent.

1. Download the Papaya app (it's free!)
2. Snap a picture of your bill
3. Choose a payment method

And presto, Papaya sends the payment for you!

Papaya works for all bills - medical, dental, utilities, rent, insurance, loans, parking tickets, DMV, plumbing services, business bills, your dog's training lessons, your kids' daycare bills and more.

Your security is our priority. Papaya is HIPAA and PCI compliant, and bank-level secure. We are also accredited by the Better Business Bureau.

It takes only seconds to make payments, and most are settled within 24 hours.

You can pay with any payment method: bank account, credit card, debit card or FSA/HSA card, as long as your merchant accepts it.

We are a fast growing FinTech startup backed by the same investors behind Uber, Facebook, Google and YouTube and the winner of the PayAwards "Most Innovative Technology". You can learn more about us at Our Terms of Service are here:

What’s New

Version 12.4

Papaya has a new look and feel! We're continuing to bring you the same easy bill pay experience with fresh visuals.

Ratings and Reviews

4.8 out of 5
30.2K Ratings

30.2K Ratings

sbraham ,

...can I give them six stars please??

So I have used them for many bills, all paid without a hitch. Then I had one payee being difficult, and after a friendly convo with the folks at papaya, I come to find out that they paid the bill in question, paper check, postage paid, just to resolve the issue, none of the costs passed on to me, even after offering to pay the associated costs. They are amazing. When they say they will pay any bill, I know for a fact that they will pay ANY bill. Even my HOA, who say they only accept paper checks, apparently accepts payment from papaya. I couldn’t be happier. This is what app-based payment systems were always supposed to be.

YourNameHereX_________ ,

Can’t choose which Push Notifications you get

There appears to be no way to set what push notifications that this app is going to inundate you with. Besides the ones that you would need, like confirming your payments, and confirming your requests for individual payments, they constantly remind you that you can pay bills with their app.
If you want push notifications that say things like, ‘Happy Holidays from Papaya’, then download this app.
Within the app, you cannot turn off different types of notifications. This leaves you only one thing to do: Go to Apple Settings➞Notifications➞Turn Off “Allow Notifications”.
I get plenty of notifications, I don’t want, nor do I need imbecilic dribble from Papaya. I just want them to tell me that they received my request to pay, and then a notification that the payment was initiated. Period.
I don’t care what Papaya wants to send, I want the ability to stop types of notifications that I don’t want, without shutting them all off.

MikePowellVC ,

Works every time, smooth, easy to use

Papaya does exactly was it’s supposed to, after inputting your credit card or banking info into the Papaya app, bills are paid simply by taking a photo of them and confirming the amount to pay. It usually takes a couple of days for the transaction to clear, but this is the case with most CC transactions.

I also discovered that invoices emailed to me can be paid just as easily, ie, by downloading the email attachment directly to the Papaya app, and presto, after confirming the amount paid, it’s done. That was a nice surprise, that I did Not need to print out the attachment and take a photo of it.

Mike Powell

App Privacy

The developer, SnapPays Mobile, Inc, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Location
  • Contact Info
  • Identifiers
  • Usage Data

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

You May Also Like