PayMoji review
A free mobile wallet for QR payments, international transfers and currency conversion.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
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.
PayMoji pros and cons
- 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
PayMoji fact sheet, pricing and score →
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