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13 Best Mobile Payment Apps For Android & iOS (2023)

Now you don’t need to handle money physically to pay your bills. Due to the prevailing pandemic also it is not wise to physically handle money. Top mobile payment apps for business make it easy to do transactions. These best pay money apps provide the necessary security features to protect your bank details, card details, and other sensitive data. Try to select the best virtual wallet from a large number of available electronic payment apps. 

What Are The Best Payment Apps?

1) Venmo

Venmo money app is one of the popular mobile payment systems. The specialty of this money-sharing app is that you can discuss the purchases you have done with your family or friends. The comments are posted in new-feed style. You can control the visibility of transactions. Venmo payment app helps to split a bill among friends or account transfer money to family members. 

Do You Need A Bank Account For Venmo?

You can link a credit card or a bank account to the Venmo cash app. If you get funds from another Venmo user, it is stored on the account. You can transfer money to your bank account to get it or to a MasterCard or a debit card link to these send money apps. The safest money transfer app Venmo card is also available to withdraw money from an account. This helps to interact with online retailers. 

What Is Venmo And How Does It Work?

Payments in cash sending apps like Venmo square cash are instantaneous. If you pay with phone apps for the wrong account, all the things you can do is talk to the relevant person and wait until he refunds. Businesses can’t use the Venmo cash payment app.

Digital payment services like Venmo are limited to personal use. You have to bear a 3% transaction fee in credit card payments with this best cash transfer app like Venmo. Currently, the Venmo application is available only in the US. So it does not support your international transactions. You don’t get space for a loyalty card or gift card storage in this free payment app Venmo. 

Website Android IOS

2) Apple Pay

Apple Pay is one of the best free money sending apps by pay phone apps. But it is only for iPhone users. It is an NFC payment app available in over 55 countries. You can store your credit card, debit card, and prepaid card in Apple pay. It saves virtual account numbers instead of saving real credit card numbers. Then you can pay for retail stores, online purchases, and inside this pay wallet app via Apple pay.

How Do I Use Apple Pay On My iPhone?

It is also possible to load electronic cash in Apple Pay. So you can load some money from a bank account, debit card, or credit card. You can use iMessage or ask Siri to receive money from the cash account. It also has an Apple payment method called Apple Card. And, it is a Master card, and you can use it anywhere to purchase things.

This instant payment app helps to manage movie tickets, gift cards, boarding passes, and more very easily. You can install this best app for sending money on your iPhone from the Apple Store. But, you don’t need to fear the security of money in this person-to-person payments app.

Apple App needs your Touch ID or password to approve an ePay app payment. It also allows you to have a six-digit code other than the customary 4-digit PIN. You can link an Apple watch to this payment service app and transfer tokenized payment card information into the watch. 

Website IOS

3) PayPal

If you haven’t heard about digital payment apps like PayPal, I have one question: Where do you live, under a rock? It is the famous and best cash apps payment method. Because more than 360 million active users are in PayPal, it is one of the best online payment apps. You can use this transaction app for online payments and transfer money between your friends.

If you are having an online business, PayPal mobile payment is the best payment method you can have. Many consumers like it because of its security. Sometimes you will miss some customers due to the unavailability of PayPal. You can link a bank account or a credit card to PayPal. Fortunately, you can receive money through this cash pay app too.

How Can I Get Free PayPal Money Fast?

The fund can be kept there, transfer out to a bank account, or use with the help of PayPal Debit MasterCard. PayPal does not transfer money directly to your bank account. You must do it manually. Whenever you did a transaction in a money collect app like PayPal, it sends you a notification. So you can track the details easily.

PayPal charges 2.9% + $0.30 for payments from credit and debit cards. You get a Paypal Payments Pro version also. It offers easy cart integration, online invoicing, APIs, and phone-based credit card payments for a reasonable price. 

PayPal is compatible with both Android and Ios devices. You can link to Samsung Pay and Google Pay this best app to send money to friends. So you can automatically draw from PayPal to pay for third-party purchases. Besides, you can transfer money from PayPal balances for free. 

Website Android IOS

4) Cash App

The Cash app is a transfer money app for money transfers. You can create a free account and start sending and receiving money from other users within the same country. After downloading the app, you have to enter a unique username called $cashtag. You can add a phone number or an email address.

How Does Cash App Work?

You can add funds to the Cash app online using a debit card linked to a bank account. In this send and receive money apps like Cash App, You can either pay people online or get paid by tapping the $ icon at the app’s bottom

Website Android IOS

5) Revolut – Is Revolut Legitimate?

Revolut is one of the mobile payment solutions to pay with smartphones and one of the best pay apps for android and iOS. This virtual wallet helps to keep all your cards in one wallet. It is safe and fast when compared with your wallet. You can keep payment cards, identity cards, key cards, loyalty cards, tickets, and transport cards in this best mobile wallet. So, you can load any card onto your phone.

What Is Revolut And How Does It Work?

It is compatible with NFC contactless technology. You can quickly access any card from this app. So, you don’t need to bother about the Cards app’s security. It allows remotely locking the wallet. All sensitive data is double encrypted in the cloud. You can unlock cards with a PIN code or fingerprint.

Revolut is available for Google Android, Apple ios, Blackberry OS, and Microsoft Windows. You can exchange money, send and receive payment by phone in 28+ currencies in seconds without any hidden fees. Also, you can easily withdraw money from thousands of ATMs nationwide.

Website Android IOS

6) Google Pay

Google Pay is one of the famous NFC mobile payment options. You can store credit cards, debit cards, or loyalty card details in this app. Then use the app to pay people for your purchases. You can make Instant money transactions and P2P transactions via the Google pay limit. It allows storing gift cards, online tickets, and boarding passes too. Google Pay is available for both Android and iOS platforms.

Does Google Pay Charge A Fee?

It is one of the cheapest mobile payment methods. You won’t charge any fees to make bank transfers and use debit cards. But you have to bear a fee of 2.9% for credit cardsGoogle Pay does not work with Siri or Google assistant. This app is a secure platform. You can use your fingerprint ID or face ID to unlock the app. 

Is Google Pay Safer Than PayPal?

Both Google Pay and PayPal are safer money transferring apps. They use different use various techniques to safeguard your data. So you don’t need to fear to send and to receive money. 

Website Android

7) Samsung Pay

Samsung app is one of the best money transfer apps. This app works with the most recent Samsung phone models. But, this mobile phone payment app where you can send money prevails in over 18 countries, including the US, Singapore, Sweden, Australia, Canada, China, and South Korea. You can add a credit card or a debit card to this app. For that, you need to frame the card in the camera rectangle that comes after choosing to add a card option.

Does NFC Need To Be On For Samsung Pay?

Then enter the expiring date, ZIP Code, and CVV number. The first payment card that you add becomes a Favourite card. You can add multiple cards. After setting up the Samsung Pay account, you won’t use Google Pay for NFC payments. If you need to use Google pay, you have to change phone settings and switch the default tap to this best mobile pay app. 

Does Samsung Pay Charge A Fee?

Samsung app has an easy setup. You get a money account management option in this app. the app interface is not user-friendly. There are lots of tabs and sections to deal with and buttons across the bottom. It is one of the main drawbacks of the Samsung Pay app. You get 5 Samsung Reward points for each transaction. After reaching 2000 points, you can have a $5 reward card.

Website Android

8) Xoom Money Transfer – Is Xoom Safe To Send Money?

Xoom Money Transfer is an app like PayPal. It is an international instant money transfer app that lets you send money to more than 150 countries. You can use Xoom in France, Germany, Italy, Australia, the UK, and many other countries. Xoom allows you to transfer money to friends and family members easily.

You can easily create an account here. Moreover, you can link your account, credit, or debit card to this app. You can figure out the total price of the transfer and the total price the receiver gets by calculating using the app’s fee and exchange rate calculator offers.

How Can I Send Money Internationally Without Fees?

Xoom app costs a lower price than international money transfers. So, your data is secured under this mobile payment platform. Xoom uses 128-bit data security encryption to protect data. One of the best advantages of this app is it offers a money-back guarantee. In case your recipient didn’t receive your money Xoom will refund. 

Website Android IOS

9) Zelle

Zelle is one of the best apps to transfer money. You can do peer-to-peer money transfers very easily with this app. So, you don’t need to handle money or checks when using Zelle. But, you need to have the email address or mobile number of the recipient when transferring money.

How Do I Send Money Through Zelle Mobile Payment Apps?

After entering the amount to send the recipient who already enrolled with Zelle will receive money instantly to their bank account. The recipients who are not enrolled with the app will get a notification on how to receive money. So the recipient doesn’t need to have the Zelle app. 

Zelle has a limit for sending money on mobile app. You can send only $500 per week if your bank does not offer Zelle. But for the banks with Zelle allows transferring larger amounts. The amount depends on the bank. This app is a safe one to use. 

Website Android IOS

10) Skrill – Is It Safe To Use Skrill?

Skrill is one of the worldwide used mobile payment companies. Millions of people all around the world use Skrill to send and receive money. You can also buy and sell crypto through the Skrill app. Luckily, you can pay a merchant directly from the Skrill wallet, receiving the money to the wallet. Then you can send money to an international bank account with a Skrill money transfer without spending any extra dollars.

Skrill allows receiving and paying cash for apps in 41 currency. It offers four different currency accounts to one Skrill. Skrill is free to use. But if you are inactive for 12 months, you will charge $5. This mobile money app has more than 156 000 active merchants and over 32 million active users. 

Website Android IOS

11) MoneyGram

MoneyGram is one of the virtual wallet apps to pay friends and your beloved. After transferring money via MoneyGram, the receiver can get cash on apps or get them in the bank account. MoneyGram is available in over 200 countriesYou can send automatic recurring sends in MoneyGram on a weekly or monthly basis.

What Is MoneyGram Used For?

Also, it avoids forgetting bill payments. You can settle the bills of child support, mortgage, and more. MoneyGram app where you can transfer money is available in Apple stores and Google Play Store. Biometric login is used here to secure your details. You can track the status of transfers too. 

Website Android IOS

12) Payoneer – Is Payoneer Legitimate?

Payoneer is the very best app to transfer money and pay with your phone app. It is used by companies like Google, Fiverr, and Airbnb. You can withdraw funds directly from debit cards via Payoneer. It charges a flat $3 fee for a transfer. You can register for two basic accounts in Payoneer.

How Does Payoneer Work?

One account type charges no annual fees and permits you to withdraw money directly to your local bank account. The other account type has a prepaid Payoneer MasterCard that charges a yearly fee of $29.95. You can’t get the second account type to businesses. It is only for personal use. Payoneer app is available for Android and iOS devices.

Also, it supports more than 200 countries and 150 currencies. This popular payment app is available in over 20 languages, including Russian, French, Chinese, Arabian, and more. You can change languages when needed. Payoneer costs $3.00 for ACH transfers, Debit cards, and Credit card transfers

Website Android IOS


This send money-free app is one of the mobile wallet apps. It offers online payments, cryptocurrency buying and selling, and money transfers. Also, it handles online gambling payments, merchant payouts, best payments to global suppliers, and payouts to the affiliate. You can fund your NETELLER account using VISA debit, VISA, Skrill, Bitcoin Cash, Paysafecard, and more.

It charges upload fees when funding and withdrawal fees. But, you will charge a withdrawal fee of $10 for a Bank Transfer, $0 for merchant sites, $12.75 for a member Wire transfer, and a minimum of $0.50 for a Money Transfer. You won’t charge any dollar for NETELLER transfers through Skrill. 

NETELLER is compatible with more than 200 countries. It offers 27 account currencies with a NETELLER account. You will charge 3.99% when converting currencies. For global transfers, this digital wallet takes 3-5 business days. NETELLER app is available for Android and Ios devices. This is a secure send money app that uses 2-step authentication and secure ID

Website Android IOS

Which Pay App Is Most Secure?

You will find several peer-to-peer payment apps to receive money and send money that helps you to transfer money to worldwide users. It is not easy to tell the most secure pay app as all of them have many good features to keep your money card and bank accounts safe. I recommend you to choose PayPal, Zelle, Venom, and Apple Pay to try as secure electronic wallet apps.


What Are The Most Popular Mobile Payment Apps In India?

Many mobile payment apps android and iPhone are used in India to make your work easy.

  • Google Pay
  • PayPal
  • Paytm
  • BHIM App
  • PhonePe 

What Are The Famous Top Pay Apps For Mobile Payment Services In The UK?

There are many trusted digital wallets that you can use in the UK. You can try these quick pay apps for free. Many UK citizens use one of these five paying apps to make transactions. 

  • Google Pay
  • Apple Pay
  • Venmo
  • PayPal
  • Samsung Pay

What Are The Best Money Sending Apps For Payment In The USA?

In the USA people use several digital wallets or free money transfer apps.

  • Google Pay
  • Samsung Pay
  • Square Cash
  • Apple Pay


Now you don’t need to handle virus-covered notes or bills in stores. The development of technology has introduced ways to pay with your phone android or apple. You can find several best mobile payment apps for small businesses and big ones. These virtual cash wallets always make your transactions super easy. You need to install these mobile payment apps on your mobile and sign up for them.

Also, you can transfer any amount of money to any location within a short time. After funding your mobile app, you need to waste only a few taps to make a transaction anywhere at any time. The receiver will get money within a few time. You have to consider the available countries, currencies use, and charges incurred from you when selecting mobile payment apps. Try to choose the best secure mobile payment app to ease your work. 

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