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 12.7

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

Ratings and Reviews

4.8 out of 5
39.5K Ratings

39.5K 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.

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.

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.

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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