Chime
Banking with no hidden fees and fee-free overdraft
Reap Pay
Business payments in your preferred currencies
Updated February 2026
| Chime | Reap Pay | |
|---|---|---|
| Rating | 5.0★ | 5.0★ |
| Reviews | 3 | 3 |
| Pros | 0 | 9 |
| FactScore™ | 30.1 | 30.1 |
FactScore™ Comparison
FactScore™ weighs both quality (rating) and popularity (reviews) for a fairer ranking than stars alone.
Both tools score equally on FactScore™
Pros & Cons
Only in Chime — Pros
No unique pros listedBoth tools — Pros
—Only in Reap Pay — Pros
Credit card payments Crypto payments Automated payment schedules Fast performance Employee credit cards Integration with Xero Multiple currency support Payment link invoicing Recurring paymentsOnly in Chime — Cons
—Both tools — Cons
—Only in Reap Pay — Cons
Trustworthiness concerns Customer service issues Unauthorized transactionsDetails
| Chime | Reap Pay | |
|---|---|---|
| Categories | Online banking, Neobanks, Money transfer | Online banking, Payment processors, Money transfer |
| Platforms | Web · iOS · Android | Web |
| Became Popular | January 12, 2016 | April 3, 2023 |
| Website | www.chime.com | reap.global |
Who Should Pick Which?
Choose Chime if...
- No unique pros listed
Choose Reap Pay if...
- Credit card payments
- Crypto payments
- Automated payment schedules
With a FactScore™ of 30.1 vs 30.1, Chime leads in community reception. Chime uniquely offers No unique pros listed, while Reap Pay stands out for Credit card payments and Crypto payments.
What Users Say
Chime
I like the authentication of the app I can easily use my fingerprint to login instead of the password. Overall I love how it lets me know through notifications that my money is on the way.
Having a bad credit will mess up your life. I was in deep mess because I had a poor credit report and almost everything I applied for was turned down. I did my research and stumbled upon this geniu...
Great job, this is very powerful platform
Reap Pay
We have used REAP for 3-4 years for multiple startups ranging between 2 to 100 people. Depending on the scale there is great value you can get, which traditional credit card or finance services can...
I appreciate the variety of payment options offered, including card payments, ACH, and eChecks, which will undoubtedly help businesses reach a broader range of customers. The ability to automate pa...
Reap solved our main pain point when paying suppliers by providing as a very functional credit card, perfect for crypto-native businesses.
Related Comparisons
Frequently Asked Questions
What are the pros of Chime compared to Reap Pay?
Chime uniquely offers: No unique pros listed.
What are the pros of Reap Pay compared to Chime?
Reap Pay uniquely offers: Credit card payments, Crypto payments, Automated payment schedules, Fast performance, Employee credit cards.
Is Chime better rated than Reap Pay?
Chime is rated 5.0★ from 3 reviews. Reap Pay is rated 5.0★ from 3 reviews.
What is the FactScore™ of Chime and Reap Pay?
FactScore™ weighs rating and review volume together. Chime scores 30.1 and Reap Pay scores 30.1.
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