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PicPay or PayPal: compare payment apps | Productivity

PicPay and PayPal are payment apps for Android and iPhone (iOS) phones that seek to facilitate financial transactions. The platforms are aimed at the general public, as well as traders and entrepreneurs with their own establishment. Among the functions available, it is possible to make simple daily payments and accumulate a digital wallet, in addition to obtaining benefits such as cashback and discounts at partner stores.

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Despite the similarities, there are some important differences between the two apps. Check out a comparison between PicPay and PayPal below and find out which one best suits your needs when paying bills online by cell phone.

PicPay or PayPal? See comparison of payment apps Foto: Arte / TechTudoPicPay or PayPal? See comparison of payment apps Foto: Arte / TechTudo

PicPay or PayPal? See comparison of payment apps Foto: Arte / TechTudo

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PicPay offers a wide range of payment possibilities. It allows you to recharge your cell phone, pay bills and bills, make payments to other people and accumulate credits to use on other services, such as Uber.

PayPal, in turn, offers a slightly smaller scope of transaction possibilities. Despite this, it also allows the user to accumulate balance in his account. This amount can act as a payment method, that is, it becomes a digital wallet and an alternative to the credit card.

PicPay and PayPal allow you to accumulate balance that can be used as a digital wallet Photo: Reproduo / Daniel DutraPicPay and PayPal allow you to accumulate balance that can be used as a digital wallet Photo: Reproduo / Daniel Dutra

PicPay and PayPal allow you to accumulate balance that can be used as a digital wallet Photo: Reproduo / Daniel Dutra

To use PayPal, you must have an account, which is created for free and must be linked to an e-mail address. PicPay also requires the creation of an account and a profile, which can be confirmed using a phone number and an email account.

PicPay stands out in terms of possible transactions in the app. The application also uses the cashback method, allowing the recovery of a certain amount of payments made through the platform. In addition, PicPay offers discounts on purchases with partners, which provides a wide range of benefits for users.

PicPay also encourages interaction between users on the platform through the creation of profiles. The app can even be linked to the user's contacts, in order to create a network of interactions that facilitate payments between two or more people. It is also possible to share data regarding purchases at favorite stores.

When accessing the location of the user's device, PicPay recognizes the nearby establishments and indicates which ones offer discounts on payment in the app. Another important additional resource is the PicPay Store, which sells products that allow the recovery of part of the money spent on payments via PicPay.

PicPay has additional features such as interaction with contacts and PicPay Store Photo: Reproduo / Daniel DutraPicPay has additional features such as interaction with contacts and PicPay Store Photo: Reproduo / Daniel Dutra

PicPay has additional features such as interaction with contacts and PicPay Store Photo: Reproduo / Daniel Dutra

PayPal does not allow this type of interaction, but it pays off as it is an international platform and is widely used on websites, which guarantees the carrying out of broader financial transactions, especially with users from other countries.

Both PayPal and PicPay provide business-oriented versions, with an audience of business professionals and entrepreneurs. PicPay, for example, presents the PicPay Pro modality, which works as a digital wallet for professionals or establishments (such as stores or companies) with a fixed commercial point.

PicPay PRO can be accessed through the main application Photo: Reproduo / Daniel DutraPicPay PRO can be accessed through the main application Photo: Reproduo / Daniel Dutra

PicPay PRO can be accessed through the main application Photo: Reproduo / Daniel Dutra

PayPal, in turn, offers the PayPal Business application, with more options for managing payments and receipts. It is possible, for example, to create invoices to receive payments, check whether they have been paid or not, in addition to viewing graphs related to sales performance.

Platform availability

PicPay is available free of charge for Android and iOS mobile phones. PayPal, in turn, is on both operating systems, in addition to operating on a web platform.

Both payment apps are available for iPhone Photo: Rubens Achilles / TechTudoBoth payment apps are available for iPhone Photo: Rubens Achilles / TechTudo

Both payment apps are available for iPhone Photo: Rubens Achilles / TechTudo

PayPal's strategy to split functionality into two different apps has advantages for its interfaces. PicPay, since it concentrates such a wide field of activities in a single app, sometimes presents an interface with a lot of information. Anyway, both applications have good usability.

Another highlight of PayPal is the security mechanisms of the application. It is not possible, for example, to take screenshots during use, which guarantees a little more protection of the data of transactions carried out by the application.

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