The 20 best digital payment apps on mobile Android, iPhone

Google Wallet, PhonePe UPI, Paytm, and many other digital payment apps make it incredibly easy to send, receive, and manage your money. Whether you're splitting a bill with friends, paying for groceries, or recharging your phone, these apps have you covered.

1. Google Wallet

Fast and secure payments, Stores cards, tickets, passes, Easy access on Wear OS watch

Cost: Google Wallet (Free)

Google Wallet, a mobile digital payment app, offers a seamless and secure way to manage your daily essentials. With its user-friendly interface, you can easily access and organize your cards, passes, and tickets in one convenient place. While the app provides basic functionality, some users have expressed concerns about the lack of advanced features and the complexity of performing certain tasks.

Despite these feedback points, Google Wallet remains a reliable option for those seeking a straightforward digital payment solution. The app's intuitive design makes it accessible to users of all levels, ensuring that your essential items are always within reach. Whether you're making a purchase, accessing a loyalty card, or boarding a train, Google Wallet empowers you with the convenience and security you need to navigate your everyday life.

Download:

Android

Application information:

• Tags:
• Fast and convenient
• Secure and protected
• All-in-one digital wallet

✨ Read more: app for card storage

2. PhonePe UPI, Payment, Recharge

UPI payments, Recharge & pay bills, Invest in mutual funds

Cost: PhonePe Basic (Free), PhonePe Pro (Paid)

PhonePe UPI, Payment, Recharge is a digital payment app that allows users to make secure UPI payments, transfer money, recharge their mobile phones, and pay their bills. It also offers a range of financial services, including mutual funds, gold, and insurance.

Despite its positive overall experience, the user has reported some issues with the app's functionality, such as the keyboard not popping up for mobile transfers and the lack of money credit notifications. The user has also suggested some improvements to the app's UI, such as moving the QR scanner to a more prominent location and reducing the number of ads.

Download:

Android iOS

Application information:

• Tags:
• UPI Payments
• Quick & Secure
• Easy Recharges

✨ Read more: app for apple wallet

3. Paytm

Lightning-fast UPI payments, Secure QR code scanning, Easy utility bill payments

Cost: Basic Account (Free) (Free), Paytm First (Varies)

Unveiling the digital payment revolution, Paytm stands as a pioneer in the mobile finance realm. Its user-friendly interface and swift transaction processing make it a preferred choice for effortless money management. Whether it's sending funds to loved ones, recharging your phone, or paying bills, Paytm streamlines financial tasks with its reliable and secure platform.

Paytm's dominance in the mobile payment landscape is evident in its widespread adoption. Its intuitive design allows users to navigate seamlessly, while its commitment to customer satisfaction shines through in its responsive support team. With its versatility spanning UPI payments, online banking, and digital wallet services, Paytm empowers users with a comprehensive suite of financial tools, making it the go-to app for managing money on the go.

Download:

Android iOS

Application information:

• Tags:
• UPI Payments
• QR code payments
• Mobile recharge

✨ Read more: app for app transfer

4. PayPal

Fast and secure payments, Send and receive money globally, Shop and pay with ease

Cost: PayPal (Free)

PayPal, the digital payment app, allows users to send and receive money securely and conveniently. The app is widely used for various transactions, including online shopping, bill payments, and person-to-person transfers. With PayPal, users can access a range of payment options, such as debit cards, credit cards, and linked bank accounts.

Despite its popularity, the PayPal app has faced some criticism. Some users have reported experiencing bugs, such as difficulties accessing the PayPal credit side. Additionally, some have expressed concerns about the app's customer service, suggesting that it could be improved to resolve issues more promptly. However, the app remains a popular choice for digital payments due to its convenience and safety features.

Download:

Android iOS

Application information:

• Tags:
• Easy money transfer
• Secure online payments
• Rewarding cashback offers

✨ Read more: app for accepting credit card payments

5. Samsung Wallet (Samsung Pay)

Easy and secure payments, Digital keys for home and car, Manage digital assets

Cost: Samsung Wallet (Free)

.**Samsung Wallet (Samsung Pay) is a digital payment app that allows users to make secure and contactless payments using their mobile devices. It's a convenient and reliable tool that eliminates the need for carrying cash or physical cards. Samsung Wallet offers a seamless payment experience, making it easy to pay for goods and services at retail stores, restaurants, and online.

.**Despite its convenience, Samsung Wallet has some drawbacks. Users have complained about intrusive ads that can be annoying and hinder the user experience. Additionally, the lack of a PIN reset option can be frustrating when users forget their PIN. The app's reward system has also been criticized for requiring users to redeem a large number of points within a certain timeframe, making it difficult to accumulate enough points for valuable rewards.

Download:

Android iOS

Application information:

• Tags:
• Contactless payments
• Digital keys and cards
• Cashback rewards

✨ Read more: app based credit card

6. DANA Indonesia Digital Wallet

Cashless transactions, Card-less transactions, Free balance top up

Cost: Basic (Free), DANA Premium (Free (with upgrade))

DANA Indonesia Digital Wallet is a reliable and convenient digital payment app that allows you to make cashless and card-less transactions with ease. With DANA, you can top up your account and transfer funds instantly, making it a hassle-free way to manage your finances.

Although some users have experienced occasional delays in top-ups and technical issues in the past, DANA has been actively addressing these concerns and improving the user experience. The app's security measures have also been enhanced to protect users from fraud and scams. Despite these minor setbacks, DANA remains a popular choice for digital payments in Indonesia, offering a wide range of features and a user-friendly interface.

Download:

Android iOS

Application information:

• Tags:
• Cashless Transactions
• Safe & Secure Payments
• Free Balance Top-Ups

7. Bajaj Finserv

Easy bill payments, Quick loan approvals, Secure money transfers

Cost: Free Version (Free), There are no paid packages for the Bajaj Finserv app. (N/A)

Say hello to Bajaj Finserv, the feature-rich digital payment app that seamlessly combines financial management and convenience. With its captivating design and intuitive interface, Bajaj Finserv offers a user-friendly experience that empowers you to take control of your finances effortlessly. Its easy-to-navigate layout and straightforward features, including an EMI and loan calculator, make it a breeze to manage your funds and stay on top of your financial goals.

Designed for users of all tech levels, the Bajaj Finserv app is highly accessible, ensuring a seamless experience for everyone. Its efficient battery consumption and simplified bill payment process further enhance its user-friendliness, making it an ideal choice for managing your finances on the go. With its comprehensive features and intuitive design, Bajaj Finserv is the all-in-one solution for your financial needs, offering a secure and convenient way to manage your money anytime, anywhere.

Download:

Android

Application information:

• Tags:
• Instant Personal Loans
• No-Cost EMI Shopping
• All Bill Payments

8. GCash

Send money instantly, Pay bills easily, Shop online securely

Cost: GCash Basic (Free), GCash Fully Verified (Paid (Verification Required))

GCash, a digital payment app available for download on mobile devices, has been gaining popularity in recent years. Despite encountering some challenges, GCash remains a convenient and widely used platform for financial transactions. While users have raised concerns about intrusive ads, frequent help screens, and unnecessary tutorials that hinder the app's efficiency, GCash continues to offer a range of services that cater to the financial needs of its users.

Despite its shortcomings, GCash provides a myriad of features that simplify financial management. Users can effortlessly send and receive money, make payments for goods and services, and even save and invest their funds, all from the convenience of their smartphones. With its user-friendly interface and extensive network of partner merchants, GCash has become an indispensable tool for individuals seeking a seamless and secure digital payment experience.

Download:

Android iOS

Application information:

• Tags:
• Real-time money transfer
• Instant bank transfers
• Bills payment made easy

9. Venmo

Split payments easily, Earn rewards with card, Fast and secure transfers

Cost: Venmo Basic (Free)

Venmo, a widely-used digital payment app, provides a quick and easy way to transfer money between individuals. Despite its convenience, the app has faced criticism for its confusing interface and lack of user-friendliness. Users have complained about frequent design changes that make it difficult to navigate the app. Additionally, the app's setup for recurring payments, such as rent, has been deemed inadequate.

However, Venmo remains popular for its personal use. Its user-friendly interface and seamless integration with social media platforms make it a go-to choice for splitting bills, sending money to friends, or making small purchases. The app also offers a business page feature, but users have reported persistent notifications and other issues with this aspect of the app.

Download:

Android iOS

Application information:

• Tags:
• Fast money transfer
• Split payment requests
• Venmo debit card

10. JazzCash

Seamless digital payments, Secure money transfers, Convenient bill payments

Cost: Basic Account (Free), JazzCash Plus (Paid)

JazzCash, Pakistan's leading digital payment app, offers a seamless and secure mobile banking experience. Despite occasional transaction glitches, users appreciate its user-friendly interface and efficient local money transfers. The app's robust features make it a reliable choice for managing finances on the go.

While some users have encountered issues with accessing their accounts or viewing transaction history, the app's overall performance remains impressive. JazzCash's commitment to customer feedback is evident in its prompt responses to user reviews, demonstrating its dedication to improving the app's functionality and addressing user concerns.

Download:

Android iOS

Application information:

• Tags:
• Secure mobile account
• Send money to anyone
• Pay utility bills

11. Freecharge UPI & Credit Card

UPI payments, Credit card, Investment

Cost: Freecharge UPI & Credit Card (Free)

Freecharge UPI & Credit Card is a go-to app if you are looking for a digital payment app that makes your financial transactions easier than ever before. With Freecharge UPI & Credit Card, you can now make payments, recharge your mobile, pay your bills, and more, all from the convenience of your mobile phone. The app also offers a range of financial services, including credit cards, loans, and investments, making it a one-stop solution for all your financial needs.

With its user-friendly interface and secure payment gateway, Freecharge UPI & Credit Card is the perfect app for anyone looking for a safe and convenient way to manage their finances. Whether you're a seasoned digital payment user or a first-timer, Freecharge UPI & Credit Card is the perfect app for you. The app is available for free on the Google Play Store and the Apple App Store.

Download:

Android iOS

Application information:

• Tags:
• UPI Payments
• Credit Card
• Investment Options

12. Кошелёк

Stores all loyalty cards, Pays via QR code, Supports installment payments

Cost: Кошелёк (Free)

Кошелёк is a reliable and feature-rich digital payment app that helps you manage your finances with ease. With its user-friendly interface, you can effortlessly store and organize your discount cards, making shopping a breeze. Enjoy the convenience of paying with a single tap, saving both time and effort.

Although Кошелёk offers a range of useful features, there are a few areas where it could improve. Some users have expressed concerns about the app's excessive battery consumption and the requirement for camera and phone access, even when these features are not being used. Additionally, the limited login options and lack of SMS verification can be frustrating for some users.

Download:

Android iOS

Application information:

• Tags:
• Быстрые покупки
• Выгодные покупки
• Бесконтактная оплата

13. Touch 'n Go eWallet

Seamless transactions, Micro-loan in 3 steps, Investment solutions

Cost: Free User (Free), Premium User (Paid (varies by features))

Introducing Touch 'n Go eWallet, the all-in-one digital payment app that lets you spend, save, earn, and invest with ease. It's the perfect way to go cashless, whether you're making everyday purchases, paying bills, or topping up your prepaid accounts. With over 25 million downloads and counting, this app is a must-have for anyone looking for a convenient and secure way to manage their finances.

Despite its popularity, Touch 'n Go eWallet has received mixed reviews from users. Some have praised its convenience and wide range of features, while others have complained about technical issues and poor customer service. However, the app's developers are constantly working to improve its performance and address user feedback. As a result, it's likely that these issues will be resolved in future updates.

Download:

Android iOS

Application information:

• Tags:
• Seamless Transactions
• Effortless Payments
• Financial Services Hub

14. Square Point of Sale

Accept all payments, Free to use, Easy to set up

Cost: Free (Free), Plus ($29/mo per location)

Introducing Square Point of Sale, the digital payment app that's revolutionizing the way businesses accept payments. With Square Point of Sale, you can easily accept credit cards, debit cards, and mobile payments, all with a simple swipe or tap. Plus, the intuitive interface makes it easy to track sales, manage inventory, and get real-time insights into your business.

Despite occasional glitches that may require an app relaunch or device reboot, users have praised Square Point of Sale for its ease of use and quick payoff time. The app has been a trusted payment solution for many businesses for years, and its recent updates have further enhanced its functionality and reliability. With Square Point of Sale, you can accept payments with confidence, knowing that you have a reliable and efficient payment solution at your fingertips.

Download:

Android iOS

Application information:

• Tags:
• Easy to use
• Accept all payments
• Free to use

15. WavePay APP by Wave Money

Send money with phone number, Scan QR for instant payment, Link bank/MPU for fund transfer

Cost: Free (Free), Level 2 (Paid)

WavePay APP by Wave Money is a convenient and reliable digital payment app that makes everyday transactions a breeze. With WavePay, you can easily send and receive money, top up your phone, and pay for goods and services – all with just a few taps.

Despite its many benefits, WavePay currently faces limitations in global reach and cross-border transfers. However, the app is actively working to address these issues and improve its functionality for users worldwide. WavePay is committed to providing a seamless payment experience and is constantly seeking feedback to enhance its services.

Download:

Android iOS

Application information:

• Tags:
• Fast money transfer
• Secure online payments
• Easy Utility Bill Pay

16. Remitly

Secure money transfers, Fast money delivery, No hidden fees

Cost: Remitly - Send Money Home (Free), In-App Purchases (Varies)

Remitly is a digital payment app that allows you to send money internationally with ease. It's fast, reliable, and secure, making it a great choice for sending money to family and friends abroad. With its user-friendly interface and excellent customer service, Remitly makes international money transfers a breeze.

The app offers features such as ACH and debit card receiving options, allowing you to manage your transactions conveniently. Its chat support is always available to assist you with any queries or issues. Despite the occasional delay in exchange rate updates, Remitly's commitment to providing a seamless and secure money transfer experience makes it a top choice for users worldwide.

Download:

Android iOS

Application information:

• Tags:
• Secure money transfers
• Great exchange rates
• No hidden fees

17. Cards

Secure mobile wallet, Tap to pay convenience, All cards in one place

Cost: Cards (Free)

Cards, a digital mobile wallet, revolutionizes your payment experience. Say goodbye to bulky wallets and embrace the convenience of carrying all your essential cards, tickets, and passes right on your phone. With its user-friendly design, Cards ensures effortless and secure access to your financial and personal information.

Despite occasional glitches and design quirks, Cards remains a valuable tool for users seeking contactless payment options. Its offline storage ensures your data remains safe and accessible even without an internet connection. While security concerns are present, the app's functionality and ease of use make it a viable solution for those looking to reduce their physical card dependency. With ongoing updates and support, Cards is poised to become an even more robust digital payment solution in the future.

Download:

Android

Application information:

• Tags:
• Secure Digital Wallet
• Easy Card Management
• Multiple Card Types

18. MODO

Send and request money instantly, Pay with QR code at any store

Cost: Free (Free), MODO Premium (Paid)

Introducing MODO, the digital payment app that's transforming the way you manage your money. With MODO, you can say goodbye to the hassle of cash and checks, and enjoy the convenience and security of digital payments. Whether you're splitting the bill with friends, paying for groceries, or sending money to family, MODO makes it easy and secure.

MODO is designed to be user-friendly and accessible to everyone. Despite initial challenges, users quickly discover the app's intuitive interface and appreciate its ease of use. Once you get the hang of it, MODO empowers you to manage your finances with confidence, removing the barriers often associated with digital payment apps. With MODO, you can finally enjoy the convenience of a digital payment app without sacrificing simplicity or security.

Download:

Android

Application information:

• Tags:
• Envío y recepción de dinero
• Pago con QR
• Gestión de cuentas y tarjetas

19. SadaPay

Zero transaction fees, International payments, No minimum balance

Cost: SadaPay Basic (Free), SadaPay Pro (Paid)

SadaPay is a revolutionary digital payment app that simplifies your financial transactions. With its user-friendly interface and intuitive design, sending and receiving money becomes a breeze. Whether you're topping up your mobile balance or transferring funds to friends, SadaPay makes it effortless, thanks to its efficient money transfer system.

Despite its strengths, SadaPay is not without room for improvement. Users have expressed a desire for an update system that notifies them via SMS or email about transactions, enhancing security and keeping them informed. Additionally, displaying the available balance on every transaction screen would provide greater transparency and help users make informed decisions. By incorporating these suggestions, SadaPay can further elevate its user experience and solidify its position as a top-notch digital payment solution.

Download:

Android iOS

Application information:

• Tags:
• Zero transaction fees
• International payments
• Virtual debit card

20. Bitget Wallet, BitKeep Upgrade

Multi-chain support, Non-custodial, Security-focused

Cost: Bitget Wallet, BitKeep Upgrade (Free)

Embark on a seamless crypto experience with Bitget Wallet, BitKeep Upgrade – the digital payment app that redefines convenience and versatility. Its sleek interface and intuitive design make it a breeze to navigate, while its comprehensive suite of features empowers you to manage your digital assets effortlessly. From secure cryptocurrency storage to instant swaps and NFT trading, Bitget Wallet has you covered.

Experience the next level of digital finance with Bitget Wallet, BitKeep Upgrade. Its innovative cloud wallet option provides unparalleled flexibility, giving you the freedom to access your funds from anywhere. The seamlessly integrated support ensures peace of mind, while the wide range of dApps and DeFi options opens up a world of possibilities. Whether you're a seasoned crypto enthusiast or just starting out, Bitget Wallet empowers you to take control of your financial future.

Download:

Android iOS

Application information:

• Tags:
• Multi-Chain Support
• Decentralized and Non-Custodial
• Massive Asset Coverage