Joompay vs. Venmo Comparison


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About With Joompay you can: • Get a virtual debit card for free and use it for safe and secure online shopping. We also support both Google Pay in case you want to add Joompay card to your wallet. • Order our card in plastic. We had so many enquiries about our card in plastic, we could not leave them unanswered! You can pre-order your plastic card now in one of our 3 beautiful colors: alpaca-white, narwhal-blue, flamingo-pink • Enjoy our special offers on shopping. That's why we have an outstanding 5% cashback from your Joom purchases! You will also receive a €10 bonus if your first purchase on Joom costs more than €10. Check our app for more offers available. Limited time only! • Get notified about any activity on your account. Every time you send or receive a transfer, you'll get an instant push notification. You will never miss out on your money moves! • Feel safe and secure. Lost your plastic card? Freeze it right in the app. Found it in your bag? Unfreeze it right away.	About Pay friends and family with a Venmo account using money you have in Venmo, or link your bank account or debit card quickly. Send money and make purchases at approved merchants. Remember the moments you share with friends. Split dinner, send a birthday gift, or just say hello. Move money from Venmo to your bank account. We use encryption to help protect your account information and monitor your account activity to help identify unauthorized transactions. Pay family and friends with Venmo accounts using a phone number or email. If they don't have a Venmo account, they'll just need to create one. Find friends automatically by syncing your Facebook or phone contacts. When you send money using your Venmo balance, bank account, debit card or prepaid card, we waive fees so it’s free. Our standard 3% fee applies to credit cards. Receiving money and making purchases in other apps is always free.
Platforms Supported Windows Mac Linux Cloud On-Premises iPhone iPad Android Chromebook	Platforms Supported Windows Mac Linux Cloud On-Premises iPhone iPad Android Chromebook
Audience Any user looking for a mobile application to send and receive cash instantly	Audience Individuals or small to mid-sized businesses looking for a simple payment transfer solution
Support Phone Support 24/7 Live Support Online	Support Phone Support 24/7 Live Support Online
API Offers API	API Offers API
Screenshots and Videos View more images or videos	Screenshots and Videos View more images or videos
Pricing $0 Account opening and maintenance — €0 Customer service €0 Notifications — €0 Debit Card issuance —€0 Monthly fee — €0 Per purchase fee— €0 Foreign currency transaction fee — 1% Plastic card delivery for new card — €5 Plastic card replacement delivery for any existing card that was lost, stolen, not collected from the post or requested to be reissued by you — €3 Add Money from a consumer EEA card — €0 Add Money from Google Pay/ Apple Pay — €0 Add Money from a non-EEA card — 3% Add Money from a commercial card — 3% Incoming Bank Transfer — €0 Receive a Paylink payment from an EEA card — 1.3% + €0.10* Receive a Paylink payment from a non-EEA card or a commercial card — 2.7% + €0.10* Receive a Joompay Payment — €0 Send a Joompay Payment from your Joompay balance — €0 Send a Joompay Payment from a consumer EEA card — €0 Send a Joompay Payment from a commercial card — 3% Send a Joompay Payment from a non-EEA card —3% Outgoing Bank Transfer— 3 transfers per month free, then €1 each ATM balance inquiries €0 ATM withdrawals — 5 withdrawals or €200 per month free (whichever comes first), then 2%, €1 minimum per withdrawal Inactivity fee — €0 Top-Up Chargeback Fee — €30 Free Version Free Trial	Pricing Free Standard service is free. 1% fee amount deducted in instant transfer. Free Version Free Trial
Reviews/Ratings Overall 5.0 / 5 ease 5.0 / 5 features 4.0 / 5 design 4.0 / 5 support 4.0 / 5 Read all reviews	Reviews/Ratings Overall 4.4 / 5 ease 4.9 / 5 features 4.4 / 5 design 4.6 / 5 support 4.3 / 5 Read all reviews
Pros & Cons from Real Users Pros Swift opening account. Free Luxembourg IBAN account. Free top up by credit card or bank transfers. Good support in app. Free debit Visa card. Apple Pay. Google Pay. Notifications by transfers. Cons Instant Payment transfers are dealt with delays of within 15 minutes instead of the usual 10 seconds with IP. Not 100.000€ deposit guarantee.	Pros & Cons from Real Users Pros Using the Venmo platform has become something too common for us due to the great stability it has provided when establishing direct payments both for my employees within my company and for people outside my company. The first thing I liked about Venmo is the validation of payments, I love being able to make all kinds of payments to any Venmo account and that the money is immediately available in the account to which I sent the money, this is fantastic, there are no money restrictions on the transactions I have made for more than 2 years that I have been using it. Another thing I love about Venmo is that it provides me with a debit card, this feature is excellent since it is a digital wallet, it allows me to manage my money more easily and pay anywhere using the debit card provided by Venmo, a very secure card that is available for all accounts within the platform. I also love that Venmo allows you to send custom payments, whether it be with special messages or special emojis, this is fantastic because it allows me to send much more interactive payments, not just simple payments, but special payments with special messages. Venmo has also provided me with a nice transfer of assets to or from my bank account, I love that I can link my bank account on this platform and make withdrawals from my bank and have the money available in minutes in my wallet, I like this because there are digital wallet platforms similar to Venmo that do not provide this fast deposit processing. It makes splitting the cost of items seamless, removes the need to carry cash, and helps small businesses sell their products without the hefty fees of competitors. You don't have to carry cash around anymore to pay people. Venmo makes it easy things like restaurant checks with friends. Venmo is the easiest way to borrow and share money with friends and family. I am able to make transactions easily and freely knowing that my money is secure. It's easy to manage trips and activities with friends. One person can book seats together or get the check at a restaurant and then split up the bill later. We use Venmo to manage dozens of different expenses that come up whenever I take a trip with a group. Cons The main criticism I have regarding Venmo is regarding the user support service within this digital wallet, this support team is not so efficient and that causes users to be unable to resolve the constant concerns they have within the platform. On several occasions I have had some doubts about the payments made and received, and the support team has taken up to more than 2 days to correctly respond to my request, this is something very shocking for me, since I consider that being a wallet platform, they should offer much faster user support and in a shorter response time. Another thing I must criticize is regarding the login system, they have too robust security and this causes me to be unable to access my wallet at any time, I have tried to access my account from a new device and I have completed the two-step verification but it has not let me enter due to a suspicious login. I would like to be able to access my account on a daily basis without any problems, I do not like the robust security system that Venmo is using. If you accidentally select the wrong recipient, there is no way to revoke your payment. I understand the need for this to prevent scams, but their search feature for people does make it easy to accidentally select the wrong person. Venmo is now charging businesses a fee if money is sent to them from clients. There is also a limit of how much money you can send each month. The charges for moving money to the bank instantly can be inconvenient, but I understand. There's no reason for a money transfer app to have many different social features. It seems obtrusive and unnecessary to have a wall to see how friends are sending money back and forth. The ease of use to move money back and forth is enough, it doesn't need to be Facebook.
Training Documentation Webinars Live Online In Person	Training Documentation Webinars Live Online In Person
Company Information Joompay Founded: 2020 Luxembourg www.joompay.com	Company Information PayPal Founded: 1998 United States venmo.com
Alternatives PayPal	Alternatives Square Payments Block
Plastic Card ID	Mollie
Payowire	Plaid
PerfectGift.com	Paywint
YooMoney View All	X Money X View All
Categories Mobile Payment Money Transfer Virtual Credit/Debit Cards	Categories Digital Wallets Mobile Payment Payment Processing
Mobile Payment Features ACH Support Contactless / NFC Credit Card Support Cryptocurrency Support Debit Card Support eCommerce Payments In-App Payments In-Store Payments Micropayments P2P Payments	Mobile Payment Features ACH Support Contactless / NFC Credit Card Support Cryptocurrency Support Debit Card Support eCommerce Payments In-App Payments In-Store Payments Micropayments P2P Payments Show More Features Payment Processing Features ACH Check Transactions Bitcoin Compatible Debit Card Support Gift Card Management Mobile Payments Online Payments POS Transactions Receipt Printing Recurring Billing Signature Capture
Integrations Astro Aurus Big Cartel Bloom Bruinen Butterscotch Clicki DonorDrive Facebook Found Gr4vy Invoice Candy Jotform Partiful PatientPay Payouts.com SendWork Studioworks SynkBooks Venmo Credit Card Show More Integrations	Integrations Astro Aurus Big Cartel Bloom Bruinen Butterscotch Clicki DonorDrive Facebook Found Gr4vy Invoice Candy Jotform Partiful PatientPay Payouts.com SendWork Studioworks SynkBooks Venmo Credit Card Show More Integrations View All 54 Integrations
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