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SpotPay

Send, spend, and move money anywhere.

Visit SpotPay

SpotPay is a digital wallet app that lets users hold funds, send and receive money locally or internationally, and spend with the SpotPay Calypso Card online and in-store. It brings balances, transfers, and card spending into a single app, with clear fees on transfers and real-time balance updates.

Core capabilities include a digital wallet for holding and managing funds, local and international transfers, and the Calypso Card for payments anywhere cards are accepted. Security features include secure authentication, real-time monitoring for unauthorised activity, and transparent controls. The app is available on the App Store and Google Play, with a guided account setup.

SpotPay is a financial services platform, not a bank, and is registered as a Money Services Business in the United States with FinCEN. The pages do not specify a free plan, trial, or pricing tiers.

12 alternatives to SpotPay

Ranked by how well each tool replaces SpotPay: shared features, audience, price and popularity.

  1. Cash App

    The way money should work

    Covers 4 of 6 key features and has a free plan.

    Free plan
    72 out of 100 matchContact sales

  2. BitPay

    The all-in-one super app for crypto

    Covers 2 of 6 key features, has a free plan and is open source.

    Free planOpen source
    67 out of 100 matchFree

  3. PayPal

    Online payments trusted by consumers.

    Covers 1 of 6 key features.

    66 out of 100 match—

  4. Klarna

    Consumer finance app for flexible payments, cards, and spending insights.

    Covers 5 of 6 key features and has a free plan.

    Free plan
    66 out of 100 matchContact sales

  5. YooMoney

    A personal finance space: payments, transfers and cards (from the site title/description,

    Covers 3 of 6 key features and has a free plan.

    Free plan
    65 out of 100 matchContact sales

  6. Skrill

    Digital wallet for online payments, transfers, and cryptocurrency purchases.

    Covers 3 of 6 key features.

    65 out of 100 match—

  7. CoinSpot

    Buy, Sell & Swap Cryptocurrency

    Covers 3 of 6 key features.

    64 out of 100 match—

  8. Affirm

    Buy now pay later without the fees. Flexible payment options with longer plans, lower and

    Covers 4 of 6 key features and has a free plan.

    Free plan
    64 out of 100 matchContact sales

  9. Guarda Wallet

    Non-custodial crypto wallet for storing, buying, swapping, and staking assets across 70+

    Covers 4 of 6 key features and has a free plan.

    Free plan
    63 out of 100 matchContact sales

  10. Payrexx

    Payment solution for SMEs, startups, non-profits, and institutions in Switzerland.

    Covers 2 of 6 key features and has a free plan.

    Free plan
    62 out of 100 matchContact sales

  11. Amazon Pay

    Online payment service for ecommerce checkout

    Covers 3 of 6 key features.

    62 out of 100 match—

  12. Trust Wallet

    The crypto wallet you control

    Covers 1 of 6 key features and has a free plan.

    Free plan
    61 out of 100 matchContact sales