I’m sorry, we don’t have a Spanish-speaking representative available at the moment. We can continue in English if that works for you, or, if it’s easier, you may also reach us via email. I can provide you with our email address [help@ppaya.com] so you can send us your concern, and we’ll be glad to assist you there.  
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The text message you received is part of Papaya’s digital presentment service, which notifies you about bills from payees whose services you’ve used.
 
Papaya Pay is a third-party bill pay service that allows users to upload and pay bills via the Papaya Pay app. Our mission is to alleviate the stress and anxiety of paying your bills, so users can upload any bill statement (paper or electronic), including medical, utility, car payments, mortgages, and more.
 
You can choose to disregard the message you received from us. You may also contact your biller directly to ask for a copy of your bill and inquire about other payment options.
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To pay a bill through Papaya Pay, please follow the steps below:
Download the Papaya app or visit Papaya Pay.
Take a photo of your bill or upload a screenshot.
Confirm the bill details that Papaya extracts from the image.
Choose your payment method (bank account, debit card, credit card, or another supported payment option).
Submit the payment and track its status in the app.
 
Please note that once we receive your bill submission, our internal team will process it within 24–48 hours. You will receive either a confirmation or a decline message within that timeframe.
 
Also, our app allows users to submit bill statements to be paid out to their provider. However, we are not a payment lender and do not pay bills on behalf of users to be paid back later. Any funds transferred to providers will be charged to your selected payment method, whether it is a bank account, credit card, or debit card.
 
If you would like to make a payment but cannot pay the full balance right now, you can choose to pay only the amount you are comfortable paying today and then submit additional payments toward the remaining balance until it is fully paid off. Please make sure all payments are completed before your bill's due date to avoid any late fees. Alternatively, you may contact your biller directly to see if they offer a payment plan option, as some billers allow balances to be split into installments.
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