Payy alternatives
short answerThe closest alternatives to Payy are Revolut, Phantom and WeBank. All are neobanks operating in North America, comparable to Payy on custody, licence, cards, fees and FX — compared field by field below. No affiliate links.
The 8 closest alternatives
| neobank | type | hq | reported users | compare |
|---|---|---|---|---|
| Revolut | hybrid crypto | London, UK | 50M customers (2025) | directory → |
| Phantom | web3-native | San Francisco, US | 15M MAU (2025) | directory → |
| WeBank | traditional | Shenzhen, CN | 400M customers (2024) | directory → |
| PhonePe | traditional | Bengaluru, IN | 200M MAU (2025) | directory → |
| Nubank | traditional | São Paulo, BR | 131M customers (2025) | directory → |
| Mercado Pago | hybrid crypto | Buenos Aires, AR | 78M MAU (2025) | directory → |
| Cash App | hybrid crypto | Oakland, US | 59M transacting actives (2025) | directory → |
| PicPay | traditional | São Paulo, BR | 58M users (2024) | directory → |
go deeperBack to the Payy profile, ask who owns Payy?, or filter your own shortlist in the directory.
Figures compiled from public sources, for comparison only — not financial advice. "Up to" rates change constantly; always confirm with the issuer. Spotted an error? Suggest a fix.