Lydia vs. Skrill Comparison


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About With Lydia, you benefit from a current account with a French IBAN and a Visa card to manage all your daily expenses. Free transactions abroad, savings with interest at 0.6%, secure Internet payments, express loans: everything is at your fingertips, directly from your Lydia application. Lydia is an alternative to traditional banking apps for anyone who wants an innovative design, and a unique mobile app to track all your money at a glance and move it with a gesture. Clearer, its interface is also completely customizable. Cards, accounts and receipts can be differentiated and illustrated with photos to be more beautiful and better organized.	About With Skrill you have an online wallet. You can pay online, send money, have a Skrill card, and a loyalty programme. Skrill has been helping to make it, send it and spend it for millions of customers since 2001. So wherever you are and whatever you want to do with your money, just skrill it.
Platforms Supported Windows Not Supported Mac Not Supported Linux Not Supported Cloud Not Supported On-Premises Not Supported iPhone Supported iPad Supported Android Supported Chromebook Not Supported	Platforms Supported Windows Not Supported Mac Not Supported Linux Not Supported Cloud Supported On-Premises Not Supported iPhone Not Supported iPad Not Supported Android Not Supported Chromebook Not Supported
Audience Mobile Payment solution that helps individuals manage their money	Audience People looking for an online wallet application
Support Phone Support Not Supported 24/7 Live Support Not Supported Online Supported	Support Phone Support Not Supported 24/7 Live Support Not Supported Online Supported
API Offers API Not Supported	API Offers API Not Supported
Screenshots and Videos View more images or videos	Screenshots and Videos View more images or videos
Pricing No information available. Free Version Not Supported Free Trial Not Supported	Pricing No information available. Free Version Supported Free Trial Not Supported
Reviews/Ratings Overall 0.0 / 5 ease 0.0 / 5 features 0.0 / 5 design 0.0 / 5 support 0.0 / 5 This software hasn't been reviewed yet. Be the first to provide a review: Review this Software	Reviews/Ratings Overall 4.1 / 5 ease 4.9 / 5 features 4.5 / 5 design 4.5 / 5 support 4.4 / 5 Read all reviews
	Pros & Cons from Real Users Pros Skrill handles a large limit for all types of transactions in various currencies, it is a platform that works as a wallet and supports large sums of money. I really liked the general interface of Skrill, this was essential to move correctly within the platform and be able to move my currencies to different accounts, also, I liked how quickly all transfers are processed within Skrill, each transfer is processed in a different way. immediate at the time it is made, this guarantees that the recipient of the money receives the full amount and can use those funds immediately. I liked the deposit and withdrawal options that Skrill has, deposits are processed in a couple of minutes after confirming the deposit from a bank account, also, you can add money to your Skrill wallet using debit or credit cards. + The prepaid card is the most useful of this platform if you want to use the funds within this platform since the commissions when passing the card through points of sale are very low. However, it is not available to everyone as it has limits to reach certain countries. Another thing is that in ATMs it is expensive to obtain cash. So you have to take advantage of the card when you buy so you don't have to spend so much on commissions when you have funds within Skrill. + Supports payments from different currencies, especially the strongest currencies like USD, EUR, CAD, NZD and much more. I like that variety as it doesn't get stuck in just USD and EUR, but goes further with respect to the exchange rate. Allowing me to receive income from clients from different parts of the world without the need for currency exchange to be a barrier. + It has a good security that allows you to protect the money without there being a risk of loss. Skrill allows me to not only have to receive codes via email or phone, it also allows me to integrate 2fa authenticator for greater security and making it not easy to get into my account. In addition, I can configure a function that allows me to have security when making a transfer, making it more difficult to send a payment since it is necessary to have security codes that allow this action, thus safeguarding my money within this platform. + It is very easy to create an account within this payment processor, it begins with the typical registration of any platform with the name, email, telephone and password and then you have to verify your identity which is very fast since everything is done automatically automatic. I have been on other platforms that I have to wait 24 to 48 hours to validate my profile. However, with Skrill it was extremely easy, also they have not changed anything in the registration process since I have my account there since 2015. + For people interested in the cryptocurrency market, this feature is quite useful since it is not only possible to receive and buy other currencies with coins. But also in Skrill cryptocurrencies are allowed, thus making it easier for people in that area who seek savings or investment within the cryptographic world, making Skrill more flexible with the currencies that it allows within its platform. Skrill has been an amazing payment processor to be able to send any amount of money to any email address, the things I liked the most were: 1- This platform does not have any type of limitations or restrictions on the money that anyone sends, that means that you can make any type of payment online, you can transfer it to me by any email address that you registered in this formal letter and the money is immediately available, it does not have any kind of system to restrict the recently sent number. 2- I also like the currency conversion system, despite the fact that the commissions are quite high within this form, I consider that these conditions are not directly affected my company, since it has allowed us to send money in foreign currency to any address mail, that has fascinated us and we will continue to use this currency conversion service today. 3- I also liked the application for mobile phones, this application is fully optimized, in addition, it also allows you to make payments directly, and allows you to receive money immediately, I consider that this application has all the necessary functions so that the user can make use of your Skrill account without using the web version. 4- I really liked the deposit modality within this platform, since it allows me to deposit from a bank account, debit card or credit card, this deposit modality helps a lot so that I can link my bank account to that platform in a way immediately, and start depositing money into my account. 5- The technical support service of this platform answers any type of request very quickly, the contact of your son, because on approximately five occasions, and on four occasions I have received quite fast support, in less than 24 hours it has been able to solve my concern about a problem in this payment platform. For us, Skrill has meant a lot mainly because this platform has helped us send money internationally, when our employees are abroad. The first feature that I liked about this payment processor is the availability of money, due to that on constant occasions I have deposited money into my account using my bank account, and the deposited money is immediately enabled within the payment platform, which helps me to be able to transfer money without waiting for additional time, In addition, I also like the availability of money when transferring money to any of my colleagues, the transfer process immediately and the money is enabled in my colleague's account immediately, he does not have to wait additional time for the transfer to be processed . The second feature that I liked about this platform are the more commissions it has when making a transfer between accounts, just by depositing money with my bank account, I can use the money within the platform and I can refer it to a colleague if paying very high fees or commissions, which helps me transfer money to any account without worrying about the commission. The third feature that I liked about this platform is that I can make transfers by linking my debit or credit card, this is a very important feature since I can use my debit card to transfer money to any employee or colleague without any limit, I don't have to transfer money using my bank account, but can use my card within Skrill to transfer larger amounts and pay fewer fees. Skrill is a platform that has become a very important payment system for my company, mainly because that platform has helped us create a system where we can receive and transfer all kinds of currency just by using an email address, the The first thing that I loved about this payment processor is the great variety that there is when I deposit money into it, I can deposit money through my bank account just by associating it with this payment platform, I can also deposit money with a credit or debit card, as well as I can deposit money with CryptoCurrencies, it is very important for me to be able to deposit money in various ways, this helps me to deposit money in the way that best suits my comfort. The second thing that I liked about this platform is the great ease and speed of identity verification within this payment platform, when I started using it, I performed the verification process, and it counted to verify against only waiting five minutes, I sent the corresponding documents and in five minutes my account is 100% verified, this Verification was quite fast and allowed me to deposit money immediately. The third thing that I liked about this payment processor is the speed with which it is able to process any transfer and the availability of the money sent, I really loved being able to send money to my colleagues and that they could access that money immediately without No restrictions whatsoever, plus I loved being able to receive money into my Skrill account and be able to use it immediately. Cons The high commissions are the first negative point of Skrill, these high commissions are applied to absolutely everything within the platform, each deposit has a high percentage of commission, in addition, you must pay high commissions to complete transfers to businesses or individuals. In addition, the commissions are also high when you try to exchange your local currency to another currency of another country, Skrill charges high commissions for any process. The second negative aspect is the almost non-existent support it has, the support takes a long time to answer the request tickets, in addition, they do not have any means of live communication. - Super expensive commissions, if it weren't for the fact that I have to make and receive international transfers almost instantly, I wouldn't use this platform. In addition, with the passage of time their percentage increases a bit, being this and Neteller one of the most expensive platforms to send and receive money. I do not know if it is because of the low flow of money that this platform may have or I do not know what it may be that they have a large percentage to make movements with my money. Sometimes it is even preferable for the transfer to arrive through a bank account and wait the necessary days when it comes to high amounts, since the accounts are triggered when calculating with high amounts. - They withhold the money very often, to the point that I almost lost my Skrill account, luckily I always keep the receipts and contracts with my clients to be able to demonstrate the origin of the funds. However, already after a long time of verification there should be no retention problems, it is annoying when I want to have immediate possession of my money. Years ago I had a big dispute that took almost a month to resolve, and this causes another big problem, technical support. - Being able to have direct contact with the technical support team is a journey, I have to wait a long time to get an answer when I have problems with my transactions. It IS a little annoying that this happens since I am a repeat customer. I'm not saying that I have to be served faster than others, I'm just saying that I want Skrill to have better customer service and know how to listen when a customer wants improvements to their platform. This sometimes makes me mistrust the platform for fear of a final, sudden closure with no apparent excuse. - I have not been able to associate my American account to this platform in order to receive payments to my bank accounts. I have only been able to add accounts that accept dollars. I don't know what will be the cause, I don't even get response for this problem. It's annoying to have to convert everything to EUR, and then put everything back to USD. It is not practical or so fast when I want to have my money immediately. The main negative things I have noticed about this platform were: 1- There is no type of money return system, therefore, if the user makes a mistake in transferring funds to an erroneous email, they will not be able to make any type of claim, since this platform does not have any type of money back system. This can turn out to be a bit positive, since if you receive payment from your clients, they will not be able to reverse that transfer, however, if for some reason you make a wrong transfer, you will not be able to recover that money, that is why it is also negative. 2- I also did not like that this platform does not allow you to deposit money in CryptoCurrencies, currently the only way to deposit money within this platform and half a credit card or half a debit card, you can also use a bank account linked to the account However, it would be that I cannot deposit cryptocurrencies on these platforms and be able to exchange them within it as happens with currency conversion. 3- There is no type of debit card that provides you within this platform, therefore, if you want to use your money within this platform, you can transfer it to other accounts or exchange it with someone, it would be excellent if you currently there was some kind of debit card to make use of my funds deposited within Skrill. The first negative feature of this payment processor is at the time of converting currencies, the currency conversion is done immediately, the conversion process is quite fast, it takes about a minute for the currency conversion to be processed, however, I do not recommend using this function as it has very high commissions, I recommend using other platforms to make a much cheaper currency conversion with respect to fees. Another of the negative things about this platform is that it is currently not accepted in the vast majority of online stores, so if your main objective is to use this payment method in online stores or to buy a product online, you will have inconveniences. , since this payment method is not so well known and is not currently working in most online stores. The last negative thing about this platform is that it does not have a good support system, so if you have any kind of problem with a transfer or if you have made a mistake in a transfer made by a specific person, you will have to wait. up to 48+ hours for this issue to be resolved as this payment platform does not have live support. Skrill is a quite optimal payment processor, however, the main negative characteristic of this platform is that the interface of the application for mobile phones is quite slow, sometimes it is slow when many referrals are made constantly, in addition, It is also slow when opening details of each transfer made. It is very important that this mobile application has an optimization as soon as possible. The second negative thing that this platform has is the high commissions that it handles for each of the currency conversions that are made within it, it does not matter what type of currency conversion I am doing, in the same way the Commission will be higher than the 10%, which sometimes causes users to not feel comfortable making this conversion, due to the high commissions. The third negative thing about this platform is that the technical support is almost deficient, since they do not have real-time support and they do not have a support that responds quickly to the requirements, in order to communicate with the support team you must send a request by mail and wait 24 or 48 hours for the question to be answered, I consider that this support is very negative.
Training Documentation Supported Webinars Not Supported Live Online Not Supported In Person Not Supported	Training Documentation Supported Webinars Not Supported Live Online Not Supported In Person Not Supported
Company Information Lydia Founded: 2011 France lydia-app.com	Company Information Skrill Founded: 2001 United Kingdom skrill.com
Alternatives Postepay	Alternatives Advcash Advcash Group
EziPay	Airtm
Maya	NETELLER
Google Pay Google	PayPal
GigaIOT View All	MSS Payments View All
Categories Mobile Payment Supported	Categories Mobile Payment Supported Money Transfer Supported Payment Gateways Supported Payment Processing Supported
	Show More Features Payment Gateways Features ACH / eCheck support Supported Buyer Authentication Supported Credit / Debit Support Supported Customer Information Storage Supported Fraud Prevention Supported Invoicing Supported Multi-Currency Supported PCI Compliance Supported Point-of-Sale (POS) Supported Recurring Billing / Subscriptions Supported Reporting / Analytics Supported Payment Processing Features ACH Check Transactions Supported Bitcoin Compatible Not Supported Debit Card Support Supported Gift Card Management Supported Mobile Payments Supported Online Payments Supported POS Transactions Supported Receipt Printing Supported Recurring Billing Supported Signature Capture Supported
Integrations AJ MATRIX Not Supported ARMember Not Supported AdvertiseFree Traffic Exchange Not Supported Afterbuy Not Supported BookingPress Not Supported Corefy Not Supported CryptoShrink.io Not Supported FBS Not Supported HostBill Not Supported Jotform Not Supported MetForm Not Supported MyClubSubs Not Supported OX Securities Not Supported Paytently Not Supported PiVPS.com Not Supported Purchase Commerce Not Supported Saphyte Not Supported Teamstack Not Supported VEVS Boat Rental Software Not Supported VEVS Car Rental Software Not Supported Show More Integrations View All 4 Integrations	Integrations AJ MATRIX Supported ARMember Supported AdvertiseFree Traffic Exchange Supported Afterbuy Supported BookingPress Supported Corefy Supported CryptoShrink.io Supported FBS Supported HostBill Supported Jotform Supported MetForm Supported MyClubSubs Supported OX Securities Supported Paytently Supported PiVPS.com Supported Purchase Commerce Supported Saphyte Supported Teamstack Supported VEVS Boat Rental Software Supported VEVS Car Rental Software Supported Show More Integrations View All 46 Integrations
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