Availability
Pennypact is pre-launch. The waitlist is worldwide; India, Canada and the United States open first, one at a time, as each is ready. Every country and payment app below carries an honest word. Nothing is Available yet.
First wave
Each country opens on its own, once its payment apps, wording, legal review and support are ready. Being on this list doesn't set a date.
| Country | Payment app | What we prepare | Status |
|---|---|---|---|
| India | UPI | Scan Mira's code or copy her UPI ID and the amount | Planned |
| UPI request | Opens your UPI app with the amount already inside | Researching | |
| IMPS | Copy-ready account details for your bank's app | Planned | |
| NEFT | Copy-ready account details for your bank's app | Planned | |
| Canada | Interac e-Transfer | Copy-ready address, amount and reference | Planned |
| Interac Request Money | Would ask Mira's bank to request the money for her | Not offered | |
| Bank transfer | Copy-ready account details for your bank's app | Researching | |
| United States | Zelle | Copy-ready email or phone number and the amount | Planned |
| Venmo, Cash App, Apple Cash | No prepared request. Pay as you usually do, then mark it as sent | Not offered | |
| Bank transfer | Copy-ready account details for your bank's app | Researching |
Scroll the table sideways to see every column.
Cash and "some other way" work everywhere: the payer marks it sent, the other person confirms, and the record shows both. We never prepare a request for an app that gives no supported way to do so.
On the research list
In the order we'll look, not the order they'll open. The app formats money the local way already; what takes time is reviewing each payment app's official flow, its terms and the legal ground.
| Region | Countries | Payment apps we'd prepare for | Status |
|---|---|---|---|
| Broader North America | Mexico | SPEI bank transfer | Researching |
| Europe, country by country | United Kingdom, Germany, France, Spain, Italy, Netherlands, Ireland, Portugal, Austria, Belgium, Sweden, Switzerland, Poland | SEPA bank transfer, Faster Payments, Bizum, Swish, TWINT, BLIK | Researching |
| South Africa | South Africa | PayShap | Researching |
| Other measured markets | Brazil, Singapore, Thailand, Indonesia, Vietnam, Kenya, Australia, New Zealand, Japan, United Arab Emirates, Malaysia, Philippines, Nigeria | Pix, PayNow, PromptPay, BI-FAST, VietQR, PesaLink, PayID, Aani, DuitNow, InstaPay and local bank transfers | Researching |
Scroll the table sideways to see every column.
Pix works around the clock and a valid code can carry the recipient and the amount. When the payment app is this good, a split app's only job is to prepare the request properly.
Brazil is on our research list, not in the first wave. The formatting is already right, though: R$ 1.260,00, not $1,260.00.
Spain reaches for Bizum, Sweden for Swish, Switzerland for TWINT; most of the rest paste an IBAN. The European Payments Council even published a code format for this.
Europe is on our research list, country by country. None is in the first wave.
The interface is in English to start. Money, dates and numbers already follow local habits everywhere the currency is supported: ₹16,800.00 in Bengaluru, R$ 1.260,00 in São Paulo, 700,00 € in Berlin. More languages follow the countries that open.
Reviewed September 5, 2026. This page changes as countries open.