Best Free Mobile Payment Apps of 2025

Messenger can turn conversation into customer loyalty. Messenger makes it easy to acquire customers by allowing people to take action right where they are spending their time. Messenger allows you to create a presence and allow people to browse your products or services and then purchase them in the conversation. Messenger can help you market your product or service to more people. Conversations create a meaningful connection between your business and customers, regardless of whether you're launching new products or increasing awareness. Customers can communicate with you on their terms by integrating Messenger into a customer service strategy. There's no need to wait on hold or keep your website open. Messenger is the best place to keep in touch with your agent and ask questions.

PhonePe allows you to instantly transfer money to anyone using your mobile number. Our goal is to make digital transactions so simple, safe, and universally accepted that no one will ever need cash or cards again. Invest money, build wealth, and reach your financial goals. You can pay your bills, recharge, send money or buy gold. You can also shop at your favorite stores and invest. You have the option to choose from BHIM UPI or your Debit or Credit Card. Book flights, order food, or purchase groceries. You can use all your favorite apps without having to download them. Every day, we learn to navigate our lives into "the new normal" and support each other - all the while keeping a smile on our faces. Digital payments will become more accessible to the next billion people over the next decade. This is our goal: to make it easier for users to use digital payments.

The Cash App allows you to send and receive payments easily via a mobile app. The Cash App allows you to buy Bitcoin and works without a bank account. You can send and receive money from anywhere, anytime. It's easy and fast. All you need is a $cashtag to get started. You can receive your paychecks up to two days before the due date by opening a Cash App Account. When you have at least $300 in monthly income, you can get 3 ATM withdrawals free of charge. Cash App makes it easy for you to invest in stocks or bitcoin, no matter if you're a beginner or a pro. Cash App employs advanced security features to protect millions and millions of people each year. We take every precaution to ensure your money and information is safe, from data encryption to verification locks.

It's easy to send and receive money across Africa. Get free transfers and the lowest cross border rates. You can move money around the world, from one place to another, or even across Africa. Chipper Cash is the best way to send and get money across borders. Chipper Cash allows you to securely send and receive money. Join over 4,000,000 people. Chipper Cash makes it easy to send and receive money. You don't need to pay transfer fees or travel to a bank or agent to send or receive money. Transfer funds instantly between your accounts. Transfer your money instantly between Chipper Cash, any bank account or mobile money account. Chipper allows you to pay instantly and save big on transaction costs. Buy discounted Airtime to earn 2% Cashback instantly. Send Airtime to a friend or yourself.

M-PESA, Africa's most popular mobile money service, is also the largest fintech platform in the region. M-PESA is the best way to make payments across Africa, both for the banked or unbanked. It offers unmatched convenience and safety. It also offers financial services to millions who have mobile phones but don't have access to bank accounts or limited banking services. M-PESA offers a safe, secure and affordable way for customers to send and receive money, top-up their airtime, pay bills, receive salaries, and get short-term loans. Customers can register for the service at authorized agents. These agents are often small mobile phone shops or other retailers like barbers, butchers and bakers. You can then deposit cash to receive electronic money. Customers can then send money abroad to their loved ones.

A more connected financial system. You can send money instantly to any location in the world, without additional fees. You can send and receive borderless, instant payments right from your fingertips. Strike is the easiest way to buy Bitcoin. Avoid fees and stack sats the right way. You can put the power of your money back in your pocket. No additional fees to convert your paycheck into bitcoin We work directly with top brands to offer you savings on thousands upon thousands of products. Get up to 15% cashback on all the products you purchase every day.

Zelle®, a secure, quick, easy, and contact-free method to send and receive money to friends, family, and others you trust, is fast, safe and simple. In minutes, you can receive money directly to your bank account. Start by enrolling your U.S. mobile phone number or email through the mobile banking app or the Zelle app. Enter the preferred email address and U.S. mobile number for the recipient. With a U.S. bank account, you can send money to anyone1 you trust and know. Enter the amount you wish to send. The recipient receives a notification describing how to make the payment quickly and easily. Zelle allows you to send money for many things. Did we mention that it's quick? Like money-straight-into-your-bank-account-in-minutes fast. Learn more about Zelle and how to Pay it Safe. Zelle allows you to send money directly to the bank account of someone you trust, regardless of whether you are settling IOUs or splitting takeout costs.

Apple Pay is simple and works with all the Apple devices you use every single day. You can make secure, contactless purchases in stores, apps, and online. You can also send and receive money to family and friends right from Messages. Apple Pay is safer than using your card and much easier than using it. Apple Pay is fast and secure. It's a safer method of paying that doesn't require you to touch buttons or exchange cash. Apple Pay is a quick and easy way to purchase apps and games. You can also use it within apps to pay for a ride or pizza delivery. Apple Pay can also be used to purchase a subscription for Apple Music, Apple News+ and Apple Arcade. Upgraded iCloud storage or other Apple services can also be purchased using Apple Pay. Apple Pay is a way to make purchases online in Safari on your iPhone, iPad or Mac without the need to create an account or fill-out lengthy forms.

Grow your business with finance. Accept payments from customers. Automate payments to vendors and employees. Never run out of working capital. You can mix and match products from Razorpay's Payment Suite to suit your business needs. Razorpay is the best way to integrate, onboard online, check out the features, and enjoy the best performance. Razorpay Payment pages is the easiest way for you to accept payments from a custom-branded online shop. Automated payment receipts allow you to accept international and domestic payments. Online shopping is easy with no code. Preparation is key! Hosted Event Registration allows you to quickly register attendees online and send them automated receipts. Fundraising for a worthy cause? Hosted Donations saves time and automatically sends 80G receipts.

You can pay your friends and family using Venmo money, or you can link your bank account or debit cards quickly. Send money to approved merchants and make purchases Keep in mind the times you share with friends. Split dinner, send a birthday present, or just say hello. Transfer money from Venmo into your bank account. We use encryption to protect your account information. We also monitor your account activity to identify unauthorized transactions. Venmo accounts can be used to pay family members and friends using a phone number, or an email address. If they don't already have a Venmo Account, they will need to create one. You can automatically find friends by syncing your Facebook and phone contacts. We waive fees when you send money using your Venmo account, bank account or debit card. Credit cards are subject to the 3% standard fee. It is always free to receive money or make purchases in other apps.

PayPal is used by 9 million merchants to grow, manage, and build their businesses. You can get the tools, products and financing you need to help your business grow. This includes everything from building a website and processing payments to shipping and marketing. We also offer business loans* that can be used to provide merchant financing to help you get started and continue to grow. You can get paid online or in person. We have the solution for you, whether you need online billing, a customized checkout for website, or a card reader to process on-the-go transactions. You can choose from a variety of products and services that will simplify your day-today operations such as tools to track payments and print shipping labels. Merchant lending options can help you quickly access the money you need now. You can also offer financing to your customers that allows them to pay over time while you get paid upfront.

Skrill allows you to create an online wallet. Skrill allows you to pay online, send money and has a loyalty program. Skrill has helped millions of customers send money, make it, and then spend it since 2001. Skrill allows you to make money from anywhere you are, and for whatever purpose you choose.

Bakkt is an asset management platform that allows individuals and businesses to manage and buy digital assets ranging from loyalty points to cryptocurrencies. Bakkt was founded in 2018 by Intercontinental Exchange. It initially focused on secure storage solutions and institutional cryptocurrency trading. Over time, Bakkt expanded its services in order to support a wider vision of digital assets accessibility. It provides a platform which bridges digital currencies with traditional financial systems. Bakkt offers a mobile app that allows consumers to manage their digital assets, convert rewards and points into cash and make everyday purchases with cryptocurrencies. The platform facilitates business solutions, allowing companies to integrate digital assets into their products and service offerings, increasing customer engagement and loyalty. Bakkt's goal is to simplify the digital assets ecosystem and drive mainstream adoption with a secure and regulated solution.

WeChat Pay is now a daily part of our lives. Users can now make transactions from anywhere and at any time with WeChat Pay enabled for mobile phones. No more need for a wallet. WeChat Pay in China is used almost everywhere. Connect with Chinese buyers WeChat Pay allows you to connect overseas vendors directly with Chinese consumers, opening up more business opportunities. To pay for goods purchased in foreign countries by Chinese customers, they can access the Official Account of the vendor to track their transactions.

Moby is your future. You can pay privately with Moby. Moby uses zero-knowledge encryption for your data to ensure that it is only you who can access it. You can send money internationally as easy as sending a message. Moby moves money in just seconds. Featuring: PrivatePay™. Your payment data is yours. We cannot see or touch your balance. Never lose your money again. Claim your Moby URL to get paid online from anywhere in the world. Multiple payment links don't have to be shared. It's almost free: There are no payment fees.

Swish is used by 8 million Swedes, including friends, families, large companies, small associations and individuals who value simple, fast and secure payments. Money straight into your bank account. Don't worry about long account numbers. Swish allows you to pay with your phone number. By allowing customers to scan your QR code, you can avoid long queues and incorrectly spelled numbers. You can download or print your QR codes here. Swish is designed by the banks for their customers. They are responsible for any offers, conditions and fees. On the website of your bank, you can find out more about the terms and condition that apply to them. Swish, the most popular mobile payments service in Sweden, has 8 million private users, and more than 300,000 companies connected. Connect your bank account to your phone number and send real-time payments anywhere, anytime.

TWINT is Switzerland's payment application that allows you to make secure and convenient payments with your smartphone. Our app allows you to pay digitally at the cashier, in the supermarket, online, or in the farm shop. The TWINT App can do much more. You can send money to friends, purchase tickets from SBB and clubs can collect donations using it. TWINT is a one-stop app for all your daily needs. With TWINT, you can make digital payments almost anywhere. Discover the many functions of the TWINT App for your bank on your smartphone by downloading it. We take data security and privacy very seriously. All Swiss banks who work with TWINT ensure comprehensive protection. App that makes life easier. You no longer have to worry about payments or anything related to them.

Paywint allows you to instantly send, receive and request money. Link multiple bank accounts and debit or credit cards. Share a unique Pay Tag, QR Code or Payment Link to receive money from anyone. Download from Apple Store or Google Play Store or use a Web browser online. Ultra-secure with AI-powered fraud detection and encryption. Integrate Apple Pay or Google Pay, PayPal CashApp, Zelle and Venmo for instant funding or withdrawal. Students, Travellers and Workers can pay family, friends and business partners in another country. Small Business Owners are able to make payments for Vendors, Customers, Payroll, etc. Wallet supports Multi Currency, Multi Language. Open a Digital Bank account and get a virtual or physical card. Shared wallets allow for group payments and bill splitting between family/friends/group accounts. Alerts in real-time for each transaction via SMS, Email, Push, and more. Multiple accounts for merchants with multi-user access.

SwiffPay offers the first white-label platform for mobile payments that is patented and has bank-standard security. Swiff's suite ecommerce solutions provides acquiring banks with the tools they need to implement mobile strategies that allow for bank-level secure, authenticated transactions. SwiffPay supports cryptocurrency payments in addition to traditional payment methods. This allows users to transact seamlessly with digital currencies. SwiffPay offers the convenience and security that mobile payments offer, including the option to use cryptocurrencies. Swiff is an online payment platform that allows merchants to accept and make credit card payments via mobile devices. Swiff, with its cutting-edge authentication technology and identification, provides a level of security that is unprecedented in the world mobile payments.

A suite of mobile payment and digitalization solutions that connect global brands to mobile-savvy consumers around the world. On a single platform, you can access multiple eWallets and payment methods around the world. Alipay+'s digitalized solutions and cross-border payments allow consumers to pay as if they were locals, using their preferred digital wallets or banking apps at millions of businesses. Alipay+ combines mobile payment apps that serve over 1 billion users. This gives your merchants greater benefits. Alipay+ eliminates the hassles of contract signing and negotiation with each mobile payment method. It also eliminates the need for separate integrations every time a new payment method is introduced. Alipay+ eliminates the need to worry about different currencies, terms, and specifications. Acceptance of online and in-store checkout. Multiple payment methods can be integrated into a single integration.

TrueMoney, Thailand's leading mobile financial application, is available to all mobile network users in Thailand (AIS, Dtac and TrueMove H). Our all-in one app allows you to securely make cardless and cashless payments for your everyday needs including mobile top-ups and bill payments, as well as online and offline purchases. Enjoy exclusive discounts and promotions across a variety of services and merchants. With a high-yield savings account that offers cashback on purchases, insurance and investment in different assets, you can simplify your finances to open up more possibilities. We empower businesses of any size and help SME-entrepreneurs grow their business. Pay with confidence, knowing that all of your information is encrypted, secure, and protected. Pay using your wallet balance or a linked credit/debit cards to shop in offline stores or pay bills. You can pay online with confidence, as you are able to control the payment amount.

Touch 'n Go allows you to shop online for all your retail needs. You can order food, purchase tickets for your next weekend getaway or activity, upgrade your apps, or shop on one the largest ecommerce platforms Malaysia. A simple and secure purchasing process has improved your online shopping experience. You don't need to leave the house or deal with crowds anymore. Everything can be done on your phone. Shop at some of Malaysia's top brands and stores using the Touch 'n Go App. Now you can transfer funds directly from participating banks to the accounts of your loved ones by simply entering their mobile number or account number. Touch 'n Go lets you plan your next adventure. You can send money instantly to family and friends by using their mobile phone numbers.

JCB created the contactless payment system QUICPay to provide a faster, more convenient and signature-free payment method for the Japanese market. QUICPay can be used at convenience stores, gas station, supermarkets and other shopping venues throughout Japan. Contactless technology is becoming a popular way to pay in urban Japan. JCB cardmembers have more options to make small-value payments with QUICPay. JCB is promoting QUICPay to expand the boundaries of credit market.

Bharat Interface for Money is a payment app developed by the National Payments Corporation of India to facilitate quick, easy and simple transactions using the Unified Payments Interface. BHIM allows users to make direct bank transfers by scanning QR codes or entering their UPI ID. The app allows users to request funds using a UPI ID. BHIM's key features include the ability for users to send money and request it, scan QR codes and pay with them, view transaction histories, manage profiles, link multiple bank account, and view transaction history. The app offers 24/7 transactions, and a secure platform to manage finances. BHIM also offers services such as UPI AUTOPAY, which allows users to set up recurring payments or conduct transactions without an Internet connection.