PayMoji
PayMoji: A free mobile wallet for QR payments, international transfers and currency conversion. Ranked #47 of 89 in Mobile Payment Apps by our editors (4.1/10); pricing: Free plan; best for international users needing QR and currency tools.
At a glance
- Editor score4.1 / 10
- PricingFree plan
- Best forInternational users needing QR and currency tools
- Free planYes
- Paid fromFree
- In-store paymentsYes
- Facts checked25 Oct 2026
Where it wins
- International transfers to people, bank accounts and e-wallets
- QR payments through VietQR, Momo QR and QR Ph services
- Shows exchange rates and fees before payment confirmation
Where it doesn't
- Mobile-only deployment on iOS and Android
- Merchant QR payments apply only at participating merchants
- Support is provided through tickets and documentation
Our verdict on PayMoji
PayMoji is a free mobile international-money app from Sky Mavis Pte. Ltd. for travelers and other users moving money across Southeast Asia. On iOS and Android, it lets users top up with payment cards or Apple Pay, hold funds in USD, convert to destination currencies, send international transfers, pay bills and settle purchases at participating merchants by scanning QR codes. Biometric login and self-custodial wallet controls are included for account access and fund management.
The published pricing model has no monthly charge. Transaction fees and exchange rates are shown before each payment, helping users review the cost before confirming a transfer, conversion or purchase. PayMoji connects with Apple Pay and Google Pay for funding and supports payment ecosystems including VietQR, Momo QR, QR Ph, VNPay, QRIS, PayPal, Revolut Pay, Venmo, GCash, GrabPay, PayMaya and SEPA Instant. This combination suits people who need one mobile app for local QR acceptance and cross-border payment routes, although availability depends on participating merchants and supported services.
Its standout focus is the combination of USD balances, destination-currency conversion and QR payment options for regional travel. Users can pay bills, transfer to bank accounts or e-wallets, and preview fees and exchange rates in the same workflow. The trade-off is a mobile-only experience with support through tickets and documentation, while merchant QR payments are limited to participating locations. Choose PayMoji if international transfers, currency tools and Southeast Asian QR services matter most; consider another option if you need a desktop deployment or merchant coverage beyond supported networks.
Your product? Our editors can test PayMoji in depth and publish a review, labelled as paid · from $149/mo →
PayMoji pricing
PayMoji fact sheet
| Free plan | Yes |
|---|---|
| Paid from | Free |
| In-store payments | Yes |
| Peer transfers | Yes |
| Bill payment | Yes |
| QR payments | Yes |
| International transfers | Yes |
| Mobile platforms | Both |
| Deployment | Mobile |
| Platforms | iOS, Android |
| Support | Tickets, Docs |
| Built for | Solo, Small business (editorial estimate) |
| Integrations | 14 integrations: Apple Pay, Google Pay, VietQR, Momo QR, QR Ph, VNPay … |
| Pricing | Free plan |
| Website | paymoji.app |
| Facts checked | 25 Oct 2026 |
PayMoji integrations
PayMoji lists 14 integrations on its own site.
- Apple Pay
- Google Pay
- VietQR
- Momo QR
- QR Ph
- VNPay
- QRIS
- PayPal
- Revolut Pay
- Venmo
- GCash
- GrabPay
- PayMaya
- SEPA Instant
Alternatives to PayMoji
- PhonePeA free iOS and Android app for everyday UPI transfers, QR payments and bills.9.4
- Apple PayA no-cost payment service for Apple devices, with checkout availability depending on merchant and region.9.2
- Weixin PayA free mobile wallet for QR, merchant and supported cross-border payments.9.1
See all PayMoji alternatives →
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Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
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