Papaya: Securely Pay Any Bill

• Free

Last verified 5 Sep 2026

4.8 118014 ratings · App Store

1. 5/5App improvement suggestions

   They read it! This app is normally great. I recently had some issues with getting in touch with customer service, but those have been resolved. Some suggestions that I feel would greatly help reduce customer confusion and aggravation: A) Within the app, list the help email so that customers can directly contact customer service if the automated ticket system is down. You could tell them what information should be included in the subject line and the email itself. B) Break down the “in progress” bill status into different categories. For example: - Verifying, part 1 (Verifying that the information on the bill is correct) - Transferring (Money from account to virtual card or check) - Verifying, part 2 (Verifying that the money is still owed) - Delivering This will help customers feel safer knowing how their money is being handled. C) Somewhere in the app, perhaps in the auto chat help area, explain the process of how the customer’s money is transferred from the account to the virtual card or check. D) In the same area, explain how refunds are dealt with. As well as the timing.

   Amarenima · 5 Sep 2026

2. 1/5Aweful Subscription Hustle

   I was dismayed to have a paper bill sent by my medical provider have their website direct me to this app, which did not deliver deliver the simple and fast payment process promised. Instead, I was forced to type full details of myself and my bank account on the tiny touch screen of my phone instead of the keyboard of my computer as I first intended. Bad enough, but the truly mortifying experience was, after giving up all my personal information and banking access, the app attempted ab add-on hustle apart from the medical bill. In effect, an errant click made it to easy for the app developer to debit my bank account -I’m sure in perpetuity without some mystery puzzle unsubscribe process - from a dubious identity protection service. Now I have to worry if I touched the wrong part of mu screen, and to pay attention to my bank charges for months in the future die to the “free trial period” and when it might start surreptitiously taking money with the banking credentials I provided to pay a legitimate medical provider, not an internet cyber hustle. This is exactly the kind of cognitive loading that exploits those of us facing life-threatening illnesses do not need. It is abusive to commingle payments from medical providers with unrelated services. This should be illegal, these practices should fall under intense scrutiny by State Attorney Generals, and the app itself should be removed at once by Apple.

   dannygrizzle · 5 Sep 2026

3. 5/5Don’t use they take the money but bills don’t get paid!

   I paid a bill on the app, the money left my account but the biller can’t find my payment. I have sent countless emails 10 + asking for help with zero response. I get an automated response when I send the email that they have received my email and someone will be in touch soon. I have been waiting for a response for over 2 months. This app worked great for other bill payments but seems like when there’s an issue no one can help. Update…. Since writing this review I have still not received any communication from Papaya. Guess they take your money and then don’t care. My bill has gone to collections thanks to this app!!!!! So now have to pay double just so I don’t get in trouble. It’s a scam!!!

   KDA_18 · 5 Sep 2026

4. 1/5You give your SSN, they give it away

   Read the fine print. This company demands your social security number if you want to use its services, and when you dig thru fine print you’ll find that they can share it w/third parties. They don’t demand your SSN upfront. First you pay a bill, enter all your info, name, phone, address, cc and/or debit/bank acct, pay your bill, and then you are taken to the inescapable lock room where your birthdate and SSN are required for exit. No going forward or back. I just closed the app and went back to the App Store and started digging around. I found a spread sheet showing item by item how all your info, including your SSN, which you freely give them, is turned around and shared? Sold? Disseminated? to third parties. I even deleted the app which my iPad said would destroy all data. Then I tried reinstalling. Surprise! Somehow the papaya app was able to remember the stuff that was erased when it was deleted… amazing. I’ve sent an email to the company asking them to delete all my info. But how in the world can I trust that? I know we live in a world where we are losing more of our privacy every day. Come on, papaya, why be so sneaky? I had to tap a star or it wouldn’t let me submit this review which probably won’t be put on the site anyway. FRSims

   frs/HiA · 5 Sep 2026

5. 2/5Can’t see actually using the app…

   Did download it thinking I was forced to use it if I wanted to pay a medical bill. As went to the website online to pay that was on the bill and it had a pop up about papaya. Once I opened the app I was hesitate about using it. So on my IPad I tried the website. Input card information etc. The WORD IMAGE never showed up. So after several minutes I continued. Said to not close browser etc. Looked like it hung up. So I went back and it said word image was wrong I used. Never mind it wouldn’t ever show. So to iPhone. Image did show. Continued to pay. Do not close etc message. Still hung up. So I just went back and who knows maybe forward or new window. At the time I knew it was pending with my bank the payment. But I finally got online page showing payment was made by me, etc. That was disappointing the actual website. But at least it showed that they got my medical bill amount right and was mine and to whom it was I was paying. The app reviews themselves makes me glad I didn’t attempt to use it. Plus with the website experience lacking, added to my distrust of the app. Added to I could very easily add the company to bill pay via my bank and they would cut a check and mail it without my stressing over if they would actually do it. So can’t see the app being a better way for me personally. Disappointed that a major medical company doesn’t have a relationship with my bank that they can get paid electronically fast. Those that don’t get snail mailed a check. Glad for those pleased with the app. But way too many one star reviews. Truth be known I rated the website and since it hanged on me more than once tied it in with the app for the pop up to get the app. App reviews as well many say major debit cards not accepted as a payment method and that excludes most people. Can’t see giving my bank routing number etc to likely have trouble deleting as a payment method later. At least with a debit card can have bank issue a new one if push comes to shove.

   Pennybink · 5 Sep 2026

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