Chime vs SmartPay
Chime vs SmartPay, compared side by side on 10 data points: what each one does, how big it is, what it has raised, the tech running each site, and what users report. We score both out of 100 on traction, team and visibility: Chime is on 77/100 and SmartPay on 6/100.
Where each one leads
Chime
- our overall score: 77/100 against 6/100
- agent readiness: 25/100 against 22/100
SmartPay
Leads on none of the measures we hold for both companies.
At a glance
| Measure | Chime | SmartPay |
|---|---|---|
| What it is | Chime is a US neobank offering mobile-first banking services with no monthly fees, automated savings, and early paycheck access. | Japan's first comprehensive payment experience and cost-free Buy Now, Pay Later (BNPL) solution. |
| Category | Fintech, Neobank, Digital Banking, Consumer Finance | Fintech, Payments, Digital Payments, Embedded Finance |
| Sells toBusiness model | B2C | B2B2C |
| Offering | Software | Platform |
| Founded | 2012 | 2020 |
| Headquarters | San Francisco, United States | Tokyo, Japan |
| Status | Active | Inactive |
Size, funding and growth
| Measure | Chime | SmartPay |
|---|---|---|
| Employees | 1,500 | Not published |
| Headcount growthLast 12 months | +500.0% | Not published |
| Total funding | $13B | Not published |
| Valuation | $25B | Not published |
| LinkedIn followers | 179,516 | Not published |
StartupHub scores
Our own 0-100 ratings. They measure company strength and site quality, not which product suits you.
| Measure | Chime | SmartPay |
|---|---|---|
| StartupHub scoreOur 0-100 rating | 77/100 | 6/100 |
| Traction | 60/100 | Not published |
| Team | 60/100 | Not published |
| Community | 8/100 | Not published |
| Search visibility | 51/100 | 2/100 |
| Quality | 94/100 | Not published |
| Agent readinessHow well an AI agent can read and act on the site | F (25/100) | F (22/100) |
| Domain ratingLink authority, 0-100 | 78/100 | Not published |
Technology
Detected on each public site, so it reflects the marketing stack as well as the product.
| Measure | Chime | SmartPay |
|---|---|---|
| CDN | Cloudflare | Not detected |
Chime vs SmartPay: common questions
Which is better, Chime or SmartPay?
On our 0-100 score Chime rates higher (77/100 against 6/100). The score weights traction, team, visibility and profile completeness, so it reflects company strength rather than which product suits you. We compare the two on 10 data points above: read the rows that match what you are buying for.
How do Chime and SmartPay compare on the numbers?
Chime leads on our overall score (77/100 against 6/100), agent readiness (25/100 against 22/100).
Read the full Chime review and pricing or the SmartPay review and pricing. You can also browse other Chime alternatives we track.