Payphone review
Updated October 12, 2026 · VaultCue Editorial Team
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Our verdict
Payphone in Ecuador turns a mobile phone into a tool for accepting card payments without extra readers or a bank relationship. It is a phone based account for sellers and everyday users who want instant balance updates and simple control in one place.
Key facts
- Best for
- Accepting card payments by phone in Ecuador
- Monthly fee
- $0↗
- Free ATM withdrawals
- $0↗
- Transfer fee
- Free between Payphone users; receiving bank charges apply to cash-out↗
- Legal entity
- ECUAPAYPHONE C.A.↗
- Headquarters
- Ecuador↗
- Support channels
- Help-centre, Email, Phone↗
- Audience
- Business, Expats
- Pricing model
- No monthly fee
- Official website
- livepayphone.com
Pros and cons
Pros
- Credits what you collect to your in app balance in moments after each sale
- Supports in person and remote collection through links, codes and business tools
- Includes a physical card for spending around the world where cards are accepted
Cons
- Collection features centre on Ecuador, which limits use for sellers based elsewhere
- Operates through the mobile app, so there is no branch or desk service
Who it suits
- Sellers who collect by phone
- Beginners who want simple mobile control
Who should look elsewhere
- People who want branch based service
How Payphone compares
Where Payphone is available
- Available
- Ecuador
- Licence in Ecuador
- Banco Central del Ecuador, checked September 26, 2026
- Licence in Ecuador
- Superintendencia de Bancos del Ecuador, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does Payphone let you do with a mobile phone?+
Payphone turns your phone into a way to request and receive card payments without a separate reader. You send a link or use tap to collect in person and at a distance. Each payment appears in the app where you track activity in one place.
Where does Payphone focus its service?+
Payphone focuses on users in Ecuador for collecting and moving balances by phone. Its card for everyday spending is accepted in many places around the world where cards are honoured. Tutorials and business tools support sellers who operate in shops or online inside that market.
How does the Payphone app organise everyday use?+
The app holds your balance and shows each collection shortly after you receive it. You can move value to other people by number or scan code and use the balance for daily spending. Business panels add links, codes and web buttons for shops that sell in person or online.
Who finds Payphone useful as an everyday account?+
Payphone suits sellers and independent workers who want phone based collection without bank paperwork. It also suits people who receive from others at a distance and manage everything in one app. Those who prefer branch visits or desk service will find the mobile approach unfamiliar.
Does Payphone charge a monthly fee?+
The monthly fee at Payphone is $0. (Source, checked September 26, 2026)
Which company operates Payphone?+
Payphone is operated by ECUAPAYPHONE C.A.. (Source, checked September 26, 2026)
Where is Payphone based?+
Payphone is based in Ecuador. (Source, checked September 26, 2026)
How can I contact Payphone support?+
Payphone offers support through Help-centre, Email, Phone. (Source, checked September 26, 2026)
Sources
- help.payphone.app/hc/es/articles/31532700571931--Cu%C3%A1... checked September 26, 2026
Backs: Pricing model, Monthly fee
- livepayphone.com checked September 26, 2026
Backs: Audience, Transfer fee, Fee to send 1,000
- payphone.app/productos/mastercard-payphone/terminos-y-con... checked September 26, 2026
Backs: Free ATM withdrawals
- payphone.app/terminos-y-condiciones checked September 26, 2026
Backs: Delivery time, Headquarters, Legal entity, Payout methods, Support channels, Licences
“Razon Social y Nacionalidad: ECUAPAYPHONE C.A. Cuenca Ecuador”
Compiled from 4 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Licence type, Deposit protection, Currency conversion fee, Currencies.