Scan, check, done
One phở, paid in 4 seconds — here's the whole trip from top-up to receipt.
Top up in seconds
Add funds with your cards or Apple Pay. You'll see the fees and rates before you pay — always.
Scan the QR
Point PayMoji at the same QR codes locals use. Works with VietQR, VNPay, QR Ph and more — all in one app.
See what you'll pay
Amount, fee, and rate up front before you pay. No mental math, no surprises at the end of the month.
Paid! Back to the phở
The shop gets their money and you get what you came for — probably a steaming hot bowl of phở. Swipe, enjoy, repeat.
Pay easy, anywhere in Southeast Asia
Coming soon
Travelers already paying like a local
Real messages from travelers using PayMoji right now.
“Well I can confirm you've made this foreigner in Vietnam very happy 😂”
“I used it this morning for my coffee — surprisingly faster than the 2 other payment apps I use! 👌”
“I just paid a Grab with PayMoji. No issues at all! 🛵”
Questions, answered
Do I need a local bank account?
No. Top up with your cards or Apple Pay, and PayMoji converts to local currency when you pay. No local bank accounts needed.
What does PayMoji cost?
You see the fees and exchange rates before every payment — total including fees, on screen, before you swipe. No hidden markups, no monthly charges.
Where does it work?
Live today in Vietnam (VietQR · VNPay) and the Philippines (QR Ph). Malaysia, Singapore, and Indonesia are on the way.
Is my money safe?
Yes — only you have the keys to your wallet (self-custodial), so only you can move your funds. Your passcode and FaceID keep the app locked to you.
What if the stall only has a printed QR?
Static printed codes are the norm at street stalls. PayMoji reads them, asks you for the amount, and shows the rate before you swipe to pay.