Papaya: Pay Any Bill Reviews

I started using Papaya after I was diagnosed with cancer when the bills started rolling in from every direction. What could be simpler than snapping a picture of the bill then entering the simple information and not have to worry about it? It’s safe, it’s easy and you don’t need stamps or envelopes. It keeps a record of all the bills you paid and all the pertinent information. I’ve only had one issue and thanks to their excellent customer service it was handled in no time at all. If you have any questions or issues they are there for you. No service is absolutely 100% fool proof ( the mistake was not the fault of this app) but having customer service that genuinely cares about customer satisfaction is peace of mind.

Wait times might be different for other customers/users, but it took Papaya exactly 2 weeks to decide to send my money back to my debit account for my electric bill I paid last month. I didn’t receive a notification or email about this either, I just randomly got my money back. Kinda glad that I did because my bill is due the 14th of this month currently leaving me only two days to pay my bill (not with this app).
I was able to successfully pay my xfinity bill with Papaya , but it definitely took much longer than I expected.

I’m really disappointed because I was hoping this would be an easy “one-stop-shop” solution for paying my bills instead of using multiple apps to pay each bill individually. Also the email function in Papaya doesn’t work currently, so you have to copy and paste their email into your own mail app just to reach customer support.

Only reason I’m giving Papaya 3 instead of 2 or 1 to stars is because the interface is great on Papaya , it’s very easy to use. I just really wish my bills could have been paid a lot sooner. As a person who worries about their bills being paid on time, I try to avoid unintentional late fees as much as I can.

tldr; Very slow and inefficient, took 2 weeks for a bill to get paid and it wasn’t even paid/didn’t get notified of this.

Shame on me for choosing Papaya to pay my doctor bill.I paid the bill over a month ago it said it was sent via USPS and it would take seven days. I got another bill in the mail stating that they will take legal action if I didn’t pay the bill.I called the biller who is Peachtree billing for patriot urgent care. They said I wish they wouldn’t put this app as a way to pay the bill on our billing statements we have continual problems with them. And then the lack of customer service you have to talk to a bot. Meanwhile the bill has never been paid it’s been sitting out there for a month and I could’ve literally called the company and just paid it over the phone. I don’t know why it has such high ratings because I have went on websites and the Better Business Bureau and thousands of people complaining about it. It’s a joke can we just please go back to the old way of paying bills was alive breathing human behind a phone if you need assistance.

A bill that I learned about this app from via advertisement. I tried to pay said bill using this app. It was rejected, no big deal. The big deal is a customer asking for a simple explanation of why a payment was rejected besides “your payment was rejected,” is ignored for a week. I sent a photo of the bill showing that it was supported by this app, no response. I reach out through Papaya , no response. Send follow up emails, blatantly ignored. I won’t support a business that is just there for quick take, and don’t care about the actual customer. It will probably work great… until it doesn’t. At that point, I wish you the best of luck my friends.

Edit: I did receive an email from a customer service rep apologizing and asking me what she would like me to do, saying that she could make the payment. I responded almost immediately requesting that she did and thanked her, follow up email after two days, the weekend has passed and it’s the end of a Monday. Nothing.

I cannot say enough good things about Papaya. For one off bills, like medical billing especially, Papaya is a life saver. When you have medical bills (and the medical issues that accompany them!) the last thing you need to be worrying about is how to get money to the billers. Every biller seems to have a different website or system, or no system at all, requiring you to mail checks.
Enter this app. You take a picture of the bill, and they literally take care of the rest. I’ve paid over 20 bills (15 the day I got Papaya !) and have not had a single issue. The ambiguity is gone, and you get a record of the bill and a receipt of your payment.
Thank you this app team!

When it works it's great. But:
1. When attempting to charge with a credit card the message pops up this vendor charges $1.25 fee. The last 3 vendors I have send a payment to DO NOT charge a fee. Explain.
2. If you make a mistake half way through the process you cannot cancel or go back. You have to go ahead and finish the process and then go to the list of your actions and cancel. This can be a little nerve racking if for example you sent $500 instead of the intended $50.
3. Today I prepared a payment to an heating and air company and Papaya wanted my name and birthdate required whenever I pay a doctor??
I plan to keep using but your development department needs start removing some of these bugs.

There appears to be no way to set what push notifications that Papaya is going to inundate you with. Besides the ones that you would need, like confirming your payments, and confirming your requests for individual payments, they constantly remind you that you can pay bills with their app.
If you want push notifications that say things like, ‘Happy Holidays from this app’, then download Papaya.
Within Papaya , you cannot turn off different types of notifications. This leaves you only one thing to do: Go to Apple Settings➞Notifications➞Turn Off “Allow Notifications”.
I get plenty of notifications, I don’t want, nor do I need imbecilic dribble from this app. I just want them to tell me that they received my request to pay, and then a notification that the payment was initiated. Period.
I don’t care what this app wants to send, I want the ability to stop types of notifications that I don’t want, without shutting them all off.

So I have used them for many bills, all paid without a hitch. Then I had one payee being difficult, and after a friendly convo with the folks at this app, I come to find out that they paid the bill in question, paper check, postage paid, just to resolve the issue, none of the costs passed on to me, even after offering to pay the associated costs. They are amazing. When they say they will pay any bill, I know for a fact that they will pay ANY bill. Even my HOA, who say they only accept paper checks, apparently accepts payment from this app. I couldn’t be happier. This is what app-based payment systems were always supposed to be.

this app does exactly was it’s supposed to, after inputting your credit card or banking info into the this app app, bills are paid simply by taking a photo of them and confirming the amount to pay. It usually takes a couple of days for the transaction to clear, but this is the case with most CC transactions.

I also discovered that invoices emailed to me can be paid just as easily, ie, by downloading the email attachment directly to the this app app, and presto, after confirming the amount paid, it’s done. That was a nice surprise, that I did Not need to print out the attachment and take a photo of it.

Mike Powell

this app is a great concept and I want to love it, but payments are WAY too slow - I could end up in collections by the time I get a payment confirmation, especially if it’s a bill they send by paper check. And since I don’t see the payment clear in my account, I have no way of knowing if the provider has accepted the this app payment. I only see this app has taken out the money, then I see the payment as ‘pending’ for weeks! I have one from early January that says delivered by USPS but still not marked paid/accepted. Did they accept the payment? Was it credited to my account? Am I delinquent? I have no idea! I’ll go back to just writing my own checks or paying online through Zelle or the provider portal. May take a few moments longer, but at least I’m in control and in the loop.

Do not waste your time with Papaya. I had three medical bills to pay and one suggested Papaya. Appeared to work fine. After a few days all three showed paid in app. A month later I got one of the bills in the mail again saying it was unpaid. I thought no just a mix up. Then they started calling me. I looked into it. My card never showed any charge for payment ever going through. So while Papaya says paid. It was not! I contacted Papaya and they said they would look into it and I would hear back in three days. I just paid the bill through the providers direct portal. No messing around with waiting days to hope hear back from this app. They could have sent my bill to collections while I was waiting around. Not worth that chance at all. Just pay directly. Skip the hassle of this app!!!

You download Papaya . Take a picture of you bill and fill in your payment information. The only thing that would have made it better would have been if I could have taken a picture of my debit card rather then having to type it all out. How lazy am I becoming. Lol . So without that option it could take up to 30 seconds more. From start to finish including downloading Papaya and doing this review took about 7 min.

I downloaded Papaya at the suggestion of my doctor to pay a $40 bill without mailing a check. It gave me the option of credit or debit, so I used credit as I usually do for bills. I use my credit card and pay it at the end of the month in full, so I never pay interest. I saw a mysterious $10 fee appear on my CC, so I called them. It was a CASH ADVANCE fee!! Papaya used my credit card in the form of cash advance, which triggered a $10 fee and began accruing 25% interest rate FROM THE DAY OF THE CHARGE!!!! Luckily my bank was nice enough to waive the fees and interest, and I made an immediate payment to stop the interest. I am deleting Papaya and will never ever use it again. If I hadn’t noticed this on my statement right away, I would have paid way more than my copay in fees and interest when all was said and done 😡😡

Papaya worked flawlessly for a few medical bills but another that I submitted has yet to be paid after a month. The status says “delivered” but I called the doctor’s office and they never received a payment. Papaya only gives you an option to text an automated response bot which was no help. There’s no customer service phone number listed anywhere on their app or website. I finally located a customer service number but when you call it plays a message that all reps are busy and it sends you straight to leave a voicemail. No option to stay on the line to speak with a person. I also sent an email to no avail. I just want to speak to a human being and figure out where my money went and figure this out before my bill goes into collection.

My Utility bill was NEVER received by Payaya. They don’t have anything for that specific dollar amount anywhere in their system. For any accounts. Yet can I get ahold of this app for help? NO! They have no customer service phone number. They will only send you ONE email, if you reply to that, they won’t reply back. They are insisting that they paid, our bank account says it cleared. But we NEVER got a receipt from the Utility Service saying we paid. And again, I’ve been in conversation multiple times with my utility service. There. Is. No. Dollar amount for that which we had paid to this app!!

Terrible customer service. I had been paying my bills for 2 years through this app. No more. $100 GONE! Poof! Into the void.

Thanks a lot.

My personal information that I gave on Papaya somehow landed in a scammers hand. This is the ONLY app I gave all of my info to so I know who it was. I got a message claiming I owe 572$ with my full name, address, phone number, and DOB. I got the message the exact day the money went through. I am NOT happy because they may or may not have my card info so now I have to go to the bank today to change it. BE CAREFUL. The money did go through to the people I am paying though. (It in fact did not go through)
**UPDATE
After 1-2 weeks, the bill was in fact not paid. I checked the place that told me to pay it and it was paid but then I get a notice from the hospital itself saying it was in fact not paid

I was trying to pay my outrageous medical bill (that the TWO insurance I have SHOULD have paid in full!) using the online QuickPay Here, but the greedy thieves REFUSED payment, so I tried the next option; QuickPay With Your Smartphone. After waiting for a text that seemed like it would never arrive, but did, I had to download the this app app. Quick, easy, and I was FINALLY able to pay this ridiculous bill. Pleased that they had the smarts to ACCEPT my payment! GREAT service!!

My pediatrician forces patients to use Papaya to pay. Forget about going to a website or entering an invoice number…you have to actually scan the entire bill (which is a hassle), then you have to manually enter your address, the credit card numbers, patient info, birthdate, etc. I didn’t have my wallet with me the first time (but have my credit card info saved to my phone and PC), but couldn’t pay the bill because I had to physically have the card to enter all my info, so it took me two days to pay a bill when it should have taken 10 minutes, tops

This is the easiest and fastest way to pay a bill! I never download apps on my phone but I downloaded this app since I can pay ANY bill. I would forget to pays bills since they require me to call or go online...all time consuming. I ended up never paying paper bills that came in the mail..... Now I pay my bills and doctor bills because of the ease of this app! I pay my bills standing at my mailbox with taking a picture of the bill with this app. I don’t know how they do it.... Magic!! This is a game changer!!

I still enjoy paper bills because I have something I can hold in my hand that makes me remember to pay. But I’m just sick of the “snail mail wait” to pay and want to just get things done. this app has made it so easy and they have payment opinions, so if I don’t have all the money right away I can pay a portion of the bill and still have the comfort of knowing the bill is payed and I still have time to pay the rest.

In this digital age, it’s frustrating that we all still have to deal with paper bills. That’s where this app comes in—rather than taking time out of your busy day to figure out how to deal with that obnoxious doctor bill that somehow has no online payment option, just snap a pic, enter your payment info, and let this app take care of it. No calls, no stamps, done.

You guys made a great app.🏆
I’ve read about your talents and this is another great development! 🎉
It works so easily & I was honestly expecting multiple issues but NOPE 👍. The entire thing seems to work seamlessly. I read about the partner program and I will be signing up. I am very curious how Papaya financially billing receivers. I’d be interested in reading those details on your website. 😉
Love Papaya 💜

Was making payments with Papaya for about 6 months to the same drs office ( they recommended it) , no issues, until May 2020. Now my payment has been processed as a cash advanced, I wouldn’t have noticed, but I was checking my statement for another purchase that had been pending . The bank waived the $10 fee, but that won’t stop the interest. Requested the company refund the cash advance purchase and properly charge my account, however no response yet. Evidently they use your credit card to purchase virtual credit cards to make your bill payments. Will be calling the drs office directly to make payments from now on.

I used Papaya upon the recommendation of a health care provider and it worked great. Until it didn’t. The last bill I asked to be paid has still not been paid and it’s now been almost two months. I didn’t even know it wasn’t paid until the provider contacted me. In my app, the payment says “delivered” and the money was taken from my account. If customer service responded to me, I wouldn’t have an issue. However, I’ve emailed this app THREE times with nothing but an auto response of “we’ll get back to you.” Nothing so far and getting more than a little peeved and feel like I’ve been taken advantage of.

I can’t believe how easy Papaya is to use. I have been using this for 2 years now and finally it’s time to give credit where credit is due. From start to finish paying my paper bills has never been easier, and I have trust the process gets completed. Not one bill has been lost in the shuffle.

I’ve used Papaya every so often to pay medical bills and never had a problem, but today I was paying a dental bill and noticed it said there would be a 3% credit card fee. I’m pretty sure I’ve never seen this before and I looked at some old bills and didn’t see any extra fees. Do I’ll pay this bill by check and monitor this app going forward to see if it’s a one time thing or if it’s a new standard fee. If I see the fee again I’m deleting Papaya .

I haven’t had physical checks in years and I always run into a problem with that when it comes to medical bills. But, this app saved the day! I just took quick picts of my Quest Diagnostic bills on my phone through Papaya and they were paid with very little effort on my part. Super easy to use and fast!!

I am writing this review because I have sent several emails asking for a refund. this app app took my money but never paid my bill. I sent this app’s help pictures of my bill and where they took the money out of my account and the picture of the final notice I received. They took money from me and did not pay bill! Still waiting for a response. Not happy with Papaya

UPDATE. I will never use Papaya again! Not only did they ignore me. They also paid the WRONG PLACE!!!
They took my money and gave it to the WRONG people. I had to PAY this bill x2!!! Papaya is no good.

I love the concept of Papaya, but wish I could import photos already in my camera roll, or PDF files. My situation is that I capture medical bills to digitally file them in a notebook, would love to be able to re-use those images rather than snapshotting the same bill over again. Would also love to be able to import bills in PDF format.

Thanks to the image capture of my bills, this has been the best way for me to keep track of medical services I already paid. In multiple occasions it has prevented me from getting double charged by reoccurring medical services I already paid. It certainly keep medical billing offices accountable.