Cogni
Your money. Your lifestyle. One app
Reap Pay
Business payments in your preferred currencies
Updated February 2026
| Cogni | Reap Pay | |
|---|---|---|
| Rating | 1.0★ | 5.0★ |
| Reviews | 2 | 3 |
| Pros | 0 | 9 |
| FactScore™ | 4.8 | 30.1 |
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 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 Cogni — Cons
—Both tools — Cons
—Only in Reap Pay — Cons
Trustworthiness concerns Customer service issues Unauthorized transactionsDetails
| Cogni | Reap Pay | |
|---|---|---|
| Categories | Online banking, Neobanks, Money transfer | Online banking, Payment processors, Money transfer |
| Platforms | Web | Web |
| Became Popular | August 25, 2020 | April 3, 2023 |
| Website | getcogni.onelink.me | reap.global |
Who Should Pick Which?
Choose Cogni if...
- No unique pros listed
Choose Reap Pay if...
- Credit card payments
- Crypto payments
- Automated payment schedules
With a FactScore™ of 4.8 vs 30.1, Reap Pay leads in community reception. Cogni uniquely offers No unique pros listed, while Reap Pay stands out for Credit card payments and Crypto payments.
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.
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
Which is better, Cogni or Reap Pay?
Based on FactScore™, Reap Pay leads with a score of 30.1 vs 4.8. Reap Pay has a higher rating of 5.0★ compared to 1.0★.
What are the pros of Cogni compared to Reap Pay?
Cogni uniquely offers: No unique pros listed.
What are the pros of Reap Pay compared to Cogni?
Reap Pay uniquely offers: Credit card payments, Crypto payments, Automated payment schedules, Fast performance, Employee credit cards.
Is Cogni better rated than Reap Pay?
Cogni is rated 1.0★ from 2 reviews. Reap Pay is rated 5.0★ from 3 reviews.
What is the FactScore™ of Cogni and Reap Pay?
FactScore™ weighs rating and review volume together. Cogni scores 4.8 and Reap Pay scores 30.1.
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