Reap Pay

Business payments in your preferred currencies

★★★★★ 5.0/5
FactScore™ 30.1
VS

Vivid

Free mobile banking that comes with a metal card

★★★☆☆ 2.5/5
FactScore™ 11.9

Updated February 2026

Reap Pay Vivid
Rating 5.0★ 2.5★
Reviews 3 2
Pros 9 0
FactScore™ 30.1 11.9

FactScore™ Comparison

FactScore™ weighs both quality (rating) and popularity (reviews) for a fairer ranking than stars alone.

👑
30.1
Reap Pay FactScore™
★ Reap Pay wins on FactScore™
11.9
Vivid FactScore™

Pros & Cons

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 payments

Both tools — Pros

Only in Vivid — Pros

No unique pros listed

Only in Reap Pay — Cons

Trustworthiness concerns Customer service issues Unauthorized transactions

Both tools — Cons

Only in Vivid — Cons

Details

Reap Pay Vivid
Categories Online banking, Payment processors, Money transfer Online banking, Neobanks
Platforms Web Web
Became Popular April 3, 2023 June 19, 2020
Website reap.global vivid.money

Who Should Pick Which?

Choose Reap Pay if...

  • Credit card payments
  • Crypto payments
  • Automated payment schedules

Choose Vivid if...

  • No unique pros listed

With a FactScore™ of 30.1 vs 11.9, Reap Pay leads in community reception. Reap Pay uniquely offers Credit card payments and Crypto payments, while Vivid stands out for No unique pros listed.

3

What Users Say

Reap Pay

R
Roman Apr 5, 2023
★★★★★

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...

M
Masha Apr 4, 2023
★★★★★

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...

J
Juan Apr 6, 2023
★★★★★

Reap solved our main pain point when paying suppliers by providing as a very functional credit card, perfect for crypto-native businesses.

Vivid

D
Dau Mar 28, 2023
★☆☆☆☆

At one point it offered an ok, yet interesting product. As of now, conditions keep changing constantly, and I've been trying to close my account for over a week with no luck nor way of communicatin...

A
Anna Dec 1, 2023
★★★★☆

It's a great bank! I've been using it for over two years now. I am only disappointed that the cashback for Prime accounts is less and less valuable each month. I can't even have 10 euros back to co...

Frequently Asked Questions

Which is better, Reap Pay or Vivid?

Based on FactScore™, Reap Pay leads with a score of 30.1 vs 11.9. Reap Pay has a higher rating of 5.0★ compared to 2.5★.

What are the pros of Reap Pay compared to Vivid?

Reap Pay uniquely offers: Credit card payments, Crypto payments, Automated payment schedules, Fast performance, Employee credit cards.

What are the pros of Vivid compared to Reap Pay?

Vivid uniquely offers: No unique pros listed.

Is Reap Pay better rated than Vivid?

Reap Pay is rated 5.0★ from 3 reviews. Vivid is rated 2.5★ from 2 reviews.

What is the FactScore™ of Reap Pay and Vivid?

FactScore™ weighs rating and review volume together. Reap Pay scores 30.1 and Vivid scores 11.9.

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