Elevate Pay
USD accounts for remote professionals and freelancers
Reap Pay
Business payments in your preferred currencies
Updated February 2026
| Elevate Pay | Reap Pay | |
|---|---|---|
| Rating | 5.0★ | 5.0★ |
| Reviews | 11 | 3 |
| Pros | 8 | 9 |
| FactScore™ | 54 | 30.1 |
FactScore™ Comparison
FactScore™ weighs both quality (rating) and popularity (reviews) for a fairer ranking than stars alone.
Pros & Cons
Only in Elevate Pay — Pros
Virtual card Easy to use Fast transactions Low fees Smooth online transactions USD accounts Apple Pay integration Competitive exchange ratesBoth 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 Elevate Pay — Cons
Physical card Customer support Delayed transactions Onboarding process Bugs on iOS Limited country availability Payment linksBoth tools — Cons
—Only in Reap Pay — Cons
Trustworthiness concerns Customer service issues Unauthorized transactionsDetails
| Elevate Pay | Reap Pay | |
|---|---|---|
| Categories | Remote workforce tools, Online banking, Neobanks | Online banking, Payment processors, Money transfer |
| Platforms | Web · iOS · Android | Web |
| Became Popular | June 9, 2024 | April 3, 2023 |
| Website | www.elevatepay.co | reap.global |
Who Should Pick Which?
Choose Elevate Pay if...
- Virtual card
- Easy to use
- Fast transactions
Choose Reap Pay if...
- Credit card payments
- Crypto payments
- Automated payment schedules
With a FactScore™ of 54 vs 30.1, Elevate Pay leads in community reception. Elevate Pay uniquely offers Virtual card and Easy to use, while Reap Pay stands out for Credit card payments and Crypto payments.
What Users Say
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...
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, Elevate Pay or Reap Pay?
Based on FactScore™, Elevate Pay leads with a score of 54 vs 30.1. Elevate Pay has a higher rating of 5.0★ compared to 5.0★.
What are the pros of Elevate Pay compared to Reap Pay?
Elevate Pay uniquely offers: Virtual card, Easy to use, Fast transactions, Low fees, Smooth online transactions.
What are the pros of Reap Pay compared to Elevate Pay?
Reap Pay uniquely offers: Credit card payments, Crypto payments, Automated payment schedules, Fast performance, Employee credit cards.
Is Elevate Pay better rated than Reap Pay?
Elevate Pay is rated 5.0★ from 11 reviews. Reap Pay is rated 5.0★ from 3 reviews.
What is the FactScore™ of Elevate Pay and Reap Pay?
FactScore™ weighs rating and review volume together. Elevate Pay scores 54 and Reap Pay scores 30.1.
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