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PayPay

PayPay

Japanese Mobile Payments

VS

Alipay

Chinese Consumers

Alipay
Fees from
From 1.6% per transaction vs Custom
Features

1 shared

1 unique to PayPay · 1 unique to Alipay
Regions

1 shared

7 unique to Alipay
Pay methods

1 shared

2 unique to PayPay · 6 unique to Alipay
On licensing

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Show full specs
3 features · 9 payment methods · 8 regions. We don't rank these — they're here for reference.
PayPay PayPay
Alipay Alipay
Quick Facts
Fees
Standard transaction rate
From 1.6% per transaction
Custom
Settlement
Time to receive funds
Next business day
Next business day
Founded
2018
2004
Headquarters
Tokyo, Japan
Hangzhou, China
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Enterprise Unique
—
✓
Instant Payout
✓
✓
Startup Friendly Unique
✓
—
Payment Methods
Alipay leads (7 vs 3)
Alipay Unique
—
✓
Bank Transfer Unique
✓
—
Digital Wallet Unique
—
✓
Jcb Unique
—
✓
Mastercard Unique
—
✓
Mobile Wallet Unique
✓
—
Qr Code
✓
✓
Unionpay Unique
—
✓
Visa Unique
—
✓
Regions
Alipay leads (8 vs 1)
Africa Unique
—
✓
Asia
✓
✓
Europe Unique
—
✓
Latin America Unique
—
✓
Middle East Unique
—
✓
North America Unique
—
✓
Oceania Unique
—
✓
Southeast Asia Unique
—
✓

PayPay is best when you...

Japanese Mobile Payments
Need Startup Friendly
Not available with Alipay
View PayPay

Alipay is best when you...

Chinese Consumers
Need Enterprise
Not available with PayPay
Want coverage in Africa, Europe, Latin America, Middle East, North America, Oceania, Southeast Asia
PayPay doesn't cover these regions
View Alipay

Frequently Asked Questions

What is the difference between PayPay and Alipay?
They share 1 payment method and 1 region. PayPay adds Bank Transfer, Mobile Wallet that Alipay does not list; Alipay adds Alipay, Digital Wallet, JCB and 3 more that PayPay does not list; Alipay also covers Africa, Europe and 5 more; only PayPay offers Startup Friendly.
Which is cheaper, PayPay or Alipay?
PayPay has published rates from From 1.6% per transaction; Alipay has custom pricing quoted on engagement. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use PayPay and Alipay?
PayPay lists 1 region and 3 payment methods; Alipay lists 8 and 7. both cover Asia. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do PayPay and Alipay compare on integration and settlement?
both offer a sandbox; both support webhooks; PayPay settles in Next business day, Alipay in Next business day.

Are you PayPay or Alipay?

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.

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