Papaya: Pay Any Bill 4+

Fast & Secure Bill Payments

SnapPays Mobile, Inc

Designed for iPad

    • 4.8 • 105.9K Ratings
    • Free



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

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 set up your payment method and your payment is sent.

1. Download the Papaya app (it's free!)
2. 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 13.66.0

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
105.9K Ratings

105.9K Ratings

Amarenima ,

App improvement suggestions

They read it! This app is normally great. I recently had some issues with getting in touch with customer service, but those have been resolved. Some suggestions that I feel would greatly help reduce customer confusion and aggravation: A) Within the app, list the help email so that customers can directly contact customer service if the automated ticket system is down. You could tell them what information should be included in the subject line and the email itself. B) Break down the “in progress” bill status into different categories. For example: - Verifying, part 1 (Verifying that the information on the bill is correct) - Transferring (Money from account to virtual card or check) - Verifying, part 2 (Verifying that the money is still owed) - Delivering This will help customers feel safer knowing how their money is being handled. C) Somewhere in the app, perhaps in the auto chat help area, explain the process of how the customer’s money is transferred from the account to the virtual card or check. D) In the same area, explain how refunds are dealt with. As well as the timing.

Developer Response ,

Hey Amarenima,

Thanks for these suggestions! We definitely see the value in a more detailed timeline for bill payment. We're currently working towards implementing some features to give users more control and insight into their payments, as well as streamlining the way users interact with customer service. If you'd like to speak more about this, please don't hesitate to reach out to us at - we'd be more than happy to assist!


KDA_18 ,

Don’t use they take the money but bills don’t get paid!

I paid a bill on the app, the money left my account but the biller can’t find my payment. I have sent countless emails 10 + asking for help with zero response. I get an automated response when I send the email that they have received my email and someone will be in touch soon. I have been waiting for a response for over 2 months. This app worked great for other bill payments but seems like when there’s an issue no one can help.
Update…. Since writing this review I have still not received any communication from Papaya. Guess they take your money and then don’t care. My bill has gone to collections thanks to this app!!!!! So now have to pay double just so I don’t get in trouble. It’s a scam!!!

FR Sims ,

You give your SSN, they give it away

Read the fine print. This company demands your social security number if you want to use its services, and when you dig thru fine print you’ll find that they can share it w/third parties. They don’t demand your SSN upfront. First you pay a bill, enter all your info, name, phone, address, cc and/or debit/bank acct, pay your bill, and then you are taken to the inescapable lock room where your birthdate and SSN are required for exit. No going forward or back. I just closed the app and went back to the App Store and started digging around. I found a spread sheet showing item by item how all your info, including your SSN, which you freely give them, is turned around and shared? Sold? Disseminated? to third parties.
I even deleted the app which my iPad said would destroy all data. Then I tried reinstalling. Surprise! Somehow the papaya app was able to remember the stuff that was erased when it was deleted… amazing.
I’ve sent an email to the company asking them to delete all my info. But how in the world can I trust that?
I know we live in a world where we are losing more of our privacy every day. Come on, papaya, why be so sneaky? I had to tap a star or it wouldn’t let me submit this review which probably won’t be put on the site anyway.

Developer Response ,

Hello, we are sorry that you have had this experience with our app. Please note that entering such information is always optional and not required to submit bills. Users may opt out at any time and continue on to the bill pay section. Please reach out to us with any other questions at Thank 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

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