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 12.26

Paying bills is easier than ever. In this version, we've made some improvements and changes for an even faster bill pay experience.

Ratings and Reviews

4.8 out of 5
76.3K Ratings

76.3K Ratings

Yanxfan49 ,

The best in every way

I started using this app after I was diagnosed with cancer when the bills started rolling in from every direction. What could be simpler than snapping a picture of the bill then entering the simple information and not have to worry about it? It’s safe, it’s easy and you don’t need stamps or envelopes. It keeps a record of all the bills you paid and all the pertinent information. I’ve only had one issue and thanks to their excellent customer service it was handled in no time at all. If you have any questions or issues they are there for you. No service is absolutely 100% fool proof ( the mistake was not the fault of Papaya) but having customer service that genuinely cares about customer satisfaction is peace of mind.

armonyrose ,

Disappointed/didn’t work for me

Wait times might be different for other customers/users, but it took the app exactly 2 weeks to decide to send my money back to my debit account for my electric bill I paid last month. I didn’t receive a notification or email about this either, I just randomly got my money back. Kinda glad that I did because my bill is due the 14th of this month currently leaving me only two days to pay my bill (not with Papaya).
I was able to successfully pay my xfinity bill with the app, but it definitely took much longer than I expected.

I’m really disappointed because I was hoping this would be an easy “one-stop-shop” solution for paying my bills instead of using multiple apps to pay each bill individually. Also the email function in the app doesn’t work currently, so you have to copy and paste their email into your own mail app just to reach customer support.

Only reason I’m giving the app 3 instead of 2 or 1 to stars is because the interface is great on the app, it’s very easy to use. I just really wish my bills could have been paid a lot sooner. As a person who worries about their bills being paid on time, I try to avoid unintentional late fees as much as I can.

tldr; Very slow and inefficient, took 2 weeks for a bill to get paid and it wasn’t even paid/didn’t get notified of this.

Deigo1915 ,

No contact, no help, no service.

A bill that I learned about papaya from via advertisement. I tried to pay said bill using papaya. It was rejected, no big deal. The big deal is a customer asking for a simple explanation of why a payment was rejected besides “your payment was rejected,” is ignored for a week. I sent a photo of the bill showing that it was supported by papaya, no response. I reach out through the app, no response. Send follow up emails, blatantly ignored. I won’t support a business that is just there for quick take, and don’t care about the actual customer. It will probably work great… until it doesn’t. At that point, I wish you the best of luck my friends.

Edit: I did receive an email from a customer service rep apologizing and asking me what she would like me to do, saying that she could make the payment. I responded almost immediately requesting that she did and thanked her, follow up email after two days, the weekend has passed and it’s the end of a Monday. Nothing.

Developer Response ,

Hi! I am so sorry to hear you were dissatisfied with our service. It is our mission here at Papaya to reduce the stress associated with bill payment, and we regret that we were not able to live up to this. We are working diligently to ensure all customer service inquiries are responded to within 1-2 business days. We have been made aware that our users are not receiving our message as to why their bill may have been rejected. This will be fixed very soon. We would like to address any additional issues or concerns you had while using the app. Please feel free to reach out to us We would be more than happy to assist you.

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.

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