Cogni
Your money. Your lifestyle. One app
Elevate Pay
USD accounts for remote professionals and freelancers
Updated February 2026
| Cogni | Elevate Pay | |
|---|---|---|
| Rating | 1.0★ | 5.0★ |
| Reviews | 2 | 11 |
| Pros | 0 | 8 |
| FactScore™ | 4.8 | 54 |
FactScore™ Comparison
FactScore™ weighs both quality (rating) and popularity (reviews) for a fairer ranking than stars alone.
Pros & Cons
Only in Cogni — Pros
No unique pros listedBoth tools — Pros
—Only in Elevate Pay — Pros
Virtual card Easy to use Fast transactions Low fees Smooth online transactions USD accounts Apple Pay integration Competitive exchange ratesOnly in Cogni — Cons
—Both tools — Cons
—Only in Elevate Pay — Cons
Physical card Customer support Delayed transactions Onboarding process Bugs on iOS Limited country availability Payment linksDetails
| Cogni | Elevate Pay | |
|---|---|---|
| Categories | Online banking, Neobanks, Money transfer | Remote workforce tools, Online banking, Neobanks |
| Platforms | Web | Web · iOS · Android |
| Became Popular | August 25, 2020 | June 9, 2024 |
| Website | getcogni.onelink.me | www.elevatepay.co |
Who Should Pick Which?
Choose Cogni if...
- No unique pros listed
Choose Elevate Pay if...
- Virtual card
- Easy to use
- Fast transactions
With a FactScore™ of 4.8 vs 54, Elevate Pay leads in community reception. Cogni uniquely offers No unique pros listed, while Elevate Pay stands out for Virtual card and Easy to use.
What Users Say
Cogni
I wish I can give 0 stars. Not only they ask you to undertake long and complicated verification, but also when I linked my bank account and set a money transfer they somehow confused bank accounts ...
They are asking full social security number over the phone! Are you serious? Awful customer service who doesn't care at all about you. Application doesn't work 5 out of 10 logins.
Elevate Pay
I've been using ElevatePay for almost 7 months now, and honestly, it has been such a relief. As a freelancer from Pakistan, getting payments used to be such a big hassle. It made me feel so stresse...
Great product and excellent service. I've experienced smooth online transactions from the start, and the simple UI makes it easy to track transaction status. However, the signup process was a bit t...
Excellent experience so far. Virtual Card works with Apple Pay. I receive payments from across the Globe without any trouble. Received payments from Apple Inc. within 24 hours. I hope Elevate Pay w...
Related Comparisons
Frequently Asked Questions
Which is better, Cogni or Elevate Pay?
Based on FactScore™, Elevate Pay leads with a score of 54 vs 4.8. Elevate Pay has a higher rating of 5.0★ compared to 1.0★.
What are the pros of Cogni compared to Elevate Pay?
Cogni uniquely offers: No unique pros listed.
What are the pros of Elevate Pay compared to Cogni?
Elevate Pay uniquely offers: Virtual card, Easy to use, Fast transactions, Low fees, Smooth online transactions.
Is Cogni better rated than Elevate Pay?
Cogni is rated 1.0★ from 2 reviews. Elevate Pay is rated 5.0★ from 11 reviews.
What is the FactScore™ of Cogni and Elevate Pay?
FactScore™ weighs rating and review volume together. Cogni scores 4.8 and Elevate Pay scores 54.
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