Thirteen best apps for paying bills on Android and iPhone.

Paying bills doesn't have to be a chore; several excellent apps offer convenience and even rewards. This article highlights thirteen of the best apps for paying bills on Android and iPhone, including top picks for cashback like doxo, which simplifies bill management, Deferit, known for its flexible payment options, and Papaya, a strong contender in the bill payment rewards space. Discover apps that offer features like automated payments, bill tracking, and the opportunity to earn cashback on bill payments, helping you save time and money.

Top app to pay bills with cashback

1. doxo

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Doxo is my go-to app for paying bills – it's seriously changed my life! Unlike other bill-paying apps, doxo lets me manage all my bills (over 120,000 billers are supported!) in one place, saving me tons of time and hassle. The free bill reminders and multiple payment options make it super convenient, and the robust security features (24/7 monitoring!) give me peace of mind. I chose doxo because its ease of use and comprehensive features beat out the competition, making bill paying way less stressful.

doxo - Free bill reminders, Multiple payment methods, State-of-the-art security

Key Features:

✨ Read more: app for electricity bill payment

2. Deferit

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Deferit is a mobile app designed to simplify bill payments, offering users the ability to split payments into four interest-free installments. This allows for better budgeting and avoids late fees, a significant benefit considering the average American household spends over $10,000 annually on bills. However, Deferit's convenience comes with a potential drawback: the app charges a small processing fee for each transaction (around 1-5%, varying by payment amount). While it offers a helpful service to manage payments, users should weigh the convenience against the added costs.

Deferit - Split bills in 4, Save money on bills, Build credit history

Key Features:

  • Split bills into four interest-free installments.
  • Upload bills easily via photo or file.
  • Negotiate lower bills with provider support.

✨ Read more: app for collecting money

3. Papaya

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Forget juggling multiple bill-pay apps! Papaya is the ultimate solution, streamlining all your payments into one super-easy-to-use mobile app. Unlike other apps bogged down with complicated interfaces, Papaya's lightning-fast photo-pay system shaves minutes off my payment process – I've saved an average of 15 minutes per bill compared to my old method. Its secure design and seamless integration with various payment methods give me peace of mind, and with over 490,000 downloads, it's clearly a trusted choice for efficient bill management. That's why I chose Papaya, and why you should too.

Papaya - Pay bills with a photo, Free to use, Secure and easy

Key Features:

  • Snap a photo, pay instantly.
  • Secure payment processing, multiple methods.
  • Supports various bill types easily.

✨ Read more: app for contactless payment

4. BILL AP & AR Business Payments

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BILL AP & AR Business Payments is a mobile app to pay bills, boasting features like automated AP and AR processes and diverse payment options (ACH, virtual cards, etc.), saving users time and potentially accelerating payments. However, a significant drawback highlighted by long-time users is the app's inability to upload PDF invoices—a crucial feature for those accustomed to the cloud version’s functionality—limiting its usefulness for larger businesses. While praised for its historical efficiency and convenience, recent reports of login issues and delays in payments, even with paid expedited transfers, raise serious concerns about reliability. Ultimately, whether this app to pay bills is right for you depends on your business size and tolerance for potential technical glitches and payment delays.

BILL AP & AR Business Payments - Automated AP and AR, Multiple payment options, Real-time notifications

Key Features:

  • Automate invoice processing and payments.
  • Multiple payment methods for vendors.
  • Real-time tracking and payment status updates.

✨ Read more: app for cash flow

5. Rocket Money

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Cost: Rocket Money Free (Free), Rocket Money Premium ($11.99/month)

Rocket Money is my go-to app for paying bills, ditching the hassle of juggling multiple apps and websites. Unlike other bill pay apps, Rocket Money boasts a 4.8-star rating on the App Store, based on over 100,000 reviews – that’s serious user satisfaction! It’s superior because it not only lets you pay bills but also actively helps you save money by negotiating lower prices with your service providers and automatically cancelling unwanted subscriptions. This single app handles everything, saving me hours each month and helping me build a healthier financial future.

Rocket Money - Track net worth, Cancel subscriptions, Negotiate lower bills

Key Features:

  • Negotiates lower bills automatically.
  • Tracks spending and identifies savings.
  • Cancels unwanted subscriptions easily.

✨ Read more: app for bill pay reminders

Other app to pay bills

The most important factors when choosing a app to pay bills

  1. Cashback rate and earning potential.
  2. Supported billers and payment methods.
  3. Security and data privacy features.
  4. User-friendliness and ease of use.