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Best 1St Payment Apps

249+ iOS apps curated and reviewed

4.5 avg rating
20 free apps
Updated July 2026

The best 1st payment apps on iPhone average 4.5★ across 249+ titles — we've ranked them by what real users actually keep on their phones. Updated July 2026.

Compare top 1St Payment Apps (July 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1WhatsApp MessengerWhatsApp MessengerFree4.7★ (18M)YesYesAug 2026
2Service 1st Mobile BankingService 1st Mobile BankingFree4.9★ (4.3K)NoNoAug 2026
3Zip - Buy Now, Pay LaterZip - Buy Now, Pay LaterFree4.9★ (846K)NoNoAug 2026
4Afterpay: Pay over timeAfterpay: Pay over timeFree4.9★ (752K)NoNoAug 2026
5ACT 1st FCUACT 1st FCUFree4.5★ (175)NoNoJul 2026
61stPayMobile EMV1stPayMobile EMVFree3.0★ (11)NoNoMay 2026
7Members 1st Credit Union STLMembers 1st Credit Union STLFree4.9★ (70)YesNoAug 2026
8Bank 1st MobileBank 1st MobileFree4.7★ (78)YesNoJul 2026

Top Picks for 1St Payment

WhatsApp Messenger#1

WhatsApp Messenger by WhatsApp Inc.

Simple. Reliable. Private.
Editor's Choice
🌐 Social Networking
4.7😊(18M ratings)
FreeAdsIn-App Purchases
#2in Social Networking
WhatsApp Messenger screenshot 1
WhatsApp Messenger screenshot 2
WhatsApp Messenger screenshot 3
WhatsApp Messenger screenshot 4
WhatsApp Messenger screenshot 5

Connect with friends and family globally through private messaging and high-quality calls. Share moments, documents, and stay in touch across devices, even on slow connections. Your conversations are secured with end-to-end encryption.

What We Love

  • 💬 Great communication tool
  • 🌍 Connects people globally
  • 🔒 Secure and private messaging
  • 📱 Versatile features (calls, video, groups)

Room to Improve

  • 🐛 Bugs and glitches (freezing, crashing, notification issues)
  • 🔒 Privacy concerns with data sharing
  • 🙈 Lack of customization and control (status, groups)
Service 1st Mobile Banking#2

Service 1st Mobile Banking by Service 1st Federal Credit Union

On-the-go account management!
Strong Contender
💰 Finance
4.9😊(4.3K ratings)
Free
Service 1st Mobile Banking screenshot 1
Service 1st Mobile Banking screenshot 2
Service 1st Mobile Banking screenshot 3
Service 1st Mobile Banking screenshot 4
Service 1st Mobile Banking screenshot 5
Service 1st Mobile Banking screenshot 6

Manage your Service 1st Federal Credit Union accounts securely on the go. View transactions, deposit checks, pay bills, transfer funds, and apply for loans. Find ATMs and branches easily.

What We Love

  • 👍 Easy to use
  • 🚀 Convenient app experience
  • 💯 Friendly and helpful staff
  • 🤩 Great overall service

Room to Improve

  • 🐛 Login issues and frequent logouts
  • ⚠️ Inconsistent mobile deposit functionality
  • 🕰️ Slower performance compared to previous version
Zip - Buy Now, Pay Later#3

Zip - Buy Now, Pay Later by Zip Co US, Inc.

Shop Now & Pay Over Time
Worth Considering
🛍️ Shopping
4.9😊(846K ratings)
Free
#58in Shopping
Zip - Buy Now, Pay Later screenshot 1
Zip - Buy Now, Pay Later screenshot 2
Zip - Buy Now, Pay Later screenshot 3
Zip - Buy Now, Pay Later screenshot 4
Zip - Buy Now, Pay Later screenshot 5
Zip - Buy Now, Pay Later screenshot 6

Split purchases into 4 or 8 interest-free installments, paid bi-weekly. Use online or in-store with a virtual or physical card. Earn cashback and potentially increase spending power with on-time payments.

What We Love

  • 💳 Convenient payment option
  • 🤑 Affordable payment plans
  • ⏰ Flexible payment schedules
  • 🤝 Helpful customer service

Room to Improve

  • 🐛 Unreliable app performance
  • 🤔 Unclear refund/return policies
  • 🤷‍♀️ Inconsistent customer support

More 1St Payment apps to explore

4
Afterpay: Pay over time
Afterpay: Pay over time
Afterpay: Pay over time
Shop Now. Split your payments.
Free

Shop your favorite brands online or in-store and split your purchases into manageable payments. Get what you want now and pay over time with flexible installment plans, including options to pay in 4 installments or monthly.

Split purchases into 4 paymentsMonthly payment options availableDiscover exclusive deals and brands
🛍️ Shopping
(752K)
free with in-app purchases
5
ACT 1st FCU
ACT 1st FCU
ACT 1st FCU
by ACT 1st Federal Credit Union
Free

Manage your finances conveniently from your mobile device. This app allows you to securely check balances, view transactions, transfer funds, pay bills, deposit checks, and set up alerts. Banking is now at your fingertips, anytime and anywhere.

Check account balancesView account transactionsTransfer money between accounts
💰 Finance
(175)
free
6
1stPayMobile EMV
1stPayMobile EMV
1stPayMobile EMV
by ROAM Data
Free

Accept debit, credit, and EMV payments on the go with this mobile app. Securely process transactions anywhere and access sales data and analytics to manage your business. Backed by 24/7 U.S.-based customer service.

Accept debit, credit, and EMV paymentsSecure mobile transactionsSales data and analytics access
💼 Business
(11)
free
7
Members 1st Credit Union STL
Members 1st Credit Union STL
Members 1st Credit Union STL
by Members 1st Credit Union (St. Louis)
Free

Manage your finances on the go with this secure and fast mobile banking app. Check balances, review transactions, transfer funds between accounts, and pay bills directly from your device. Access is free, but standard messaging and data rates may apply.

Check account balancesReview recent transactionsTransfer funds between accounts
💰 Finance
(70)
ad-supported
8
Bank 1st Mobile
Bank 1st Mobile
Bank 1st Mobile
by Bank 1str
Free

Manage your bank accounts conveniently from your mobile device. This free app provides quick access to check balances, pay bills, transfer funds, and find ATM and branch locations.

Check account balancesPay billsTransfer money
💰 Finance
(78)
ad-supported
9
Tamara | Own your Dream
Tamara | Own your Dream
Tamara | Own your Dream
Pay in up to 24, No late fees
Free

This financial super-app offers flexible payment options, allowing you to shop now and pay later in installments or in full. Enjoy exclusive deals, cashback rewards, and buyer protection for a secure and seamless shopping experience.

Pay in installments or in fullSign up in minutesShop at thousands of partners
💰 Finance
(59K)
free
10
PayPal - Pay, Send, Save
PayPal - Pay, Send, Save
PayPal - Pay, Send, Save
Debit card, savings, pay later
Free

Manage your finances with a secure app for online and in-store shopping, sending money globally, and earning cash back. It also offers savings accounts, cryptocurrency trading, and package tracking.

Send and receive money globallyEarn cash back offersRequest a debit card
💰 Finance
(6.3M)
free with in-app purchases
11
PayLater - Split in 4 payments
PayLater - Split in 4 payments
PayLater - Split in 4 payments
The Only Way to Split Pay
Free

Split your purchases into four easy installments with this buy now, pay later service. Enjoy flexible payment options and secure transactions with no hidden fees. Shop at a wide network of top retailers.

Split payments into 4 installmentsFast and easy onboardingSecure PCI DSS-compliant transactions
💰 Finance
(271)
free
12
1stMILE Shop
1stMILE Shop
1stMILE Shop
by 1stMILE, LLC
Free

This app offers secure point-of-sale functionality for merchants on iPad and iPhone. It supports various card types and transaction methods, integrating with a specific card reader for encrypted processing.

Secure card processingSupports Visa, MasterCard, Amex, DiscoverSwipe, EMV chip, manual entry
💼 Business
(2)
free
13
Tabby: Send, spend and save
Tabby: Send, spend and save
Tabby: Send, spend and save
Take power over money
Free

Shop now and pay later with flexible four-month installments. Discover top brands, compare prices, and find nearby stores. Manage payments, track purchases, and get 24/7 customer support.

Split purchases into 4 monthly paymentsShop from top brands online and in-storeCompare prices and track deals
💰 Finance
(84K)
free
14
DailyPay On-Demand Pay
DailyPay On-Demand Pay
DailyPay On-Demand Pay
Your money, when you need it!
Free

Access your earned wages instantly, monitor your credit score, and build savings with automated tools. This app also offers curated deals and cash back on everyday purchases, all while providing 24/7 customer support.

Instant access to earned payReal-time earnings trackingFree credit score monitoring
💰 Finance
(470K)
free with in-app purchases
15
Valley 1st CU
Valley 1st CU
Valley 1st CU
by VALLEY 1ST COMMUNITY FEDERAL CREDIT UNION (INC)
Free

Manage your finances conveniently from your mobile device. Check balances, review transactions, pay bills, and transfer funds securely and quickly. Access is free, but standard messaging and data rates may apply.

Check account balancesReview recent transactionsTransfer funds between accounts
💰 Finance
(107)
ad-supported
16
Amazon Shopping
Amazon Shopping
Amazon Shopping
More benefits, fewer steps
Free

Shop millions of products with app-exclusive benefits for a faster, easier experience. Track deliveries in real-time, view products in 360°, get sale alerts, and enjoy secure sign-in. Access 24/7 live chat support and find items by scanning them.

Real-time delivery tracking360° product viewView in your room (AR)
🛍️ Shopping
(8.4M)
free with in-app purchases
17
Arivo One
Arivo One
Arivo One
by Arivo Acceptance LLC
Free

Manage your loan payments effortlessly. Schedule one-time or recurring payments, view your transaction history, and connect with customer support directly through the app.

Instant and scheduled paymentsAutopay setupPayment history viewing
💰 Finance
(1)
free
18
VerifyAsap: SMS & Bill Payment
VerifyAsap: SMS & Bill Payment
VerifyAsap: SMS & Bill Payment
All-in-One Digital Tools.
Free

This app consolidates SMS verifications and bill payments into a single, secure platform. It offers virtual phone numbers for international SMS codes and handles various payments like airtime, electricity, and subscriptions.

Virtual phone numbers for SMS verificationInternational SMS code receptionAirtime and data top-ups
🔧 Utilities
(4)
free
19
Alipay - Simplify Your Life
Alipay - Simplify Your Life
Alipay - Simplify Your Life
by Alipay (Hangzhou) Technology Co., Ltd.
Free

This app serves as a digital payment and services platform, primarily for users in China. It enables seamless online and in-person transactions with merchants both domestically and internationally. Foreign visitors can link their credit cards for use within China.

Online paymentsIn-person paymentsInternational merchant acceptance
🌟 Lifestyle
(4.2K)
free with in-app purchases
20
OnePay – Mobile Banking
OnePay – Mobile Banking
OnePay – Mobile Banking
Bank. Borrow. Build Credit.
Free

Manage your finances with a mobile banking solution offering early pay, rewards, and high-yield savings. Access a cash rewards credit card, affordable wireless plans, and a credit builder loan. Buy now, pay later options are also available.

Early pay and rewardsHigh-yield savings accountsCash back credit card
💰 Finance
(391K)
free with in-app purchases

FAQ about 1St Payment

What are the best 1st payment apps for iPhone?
WhatsApp Messenger tops our 1st payment apps ranking as of July 2026, with a 4.7-star average from 18M App Store ratings, and it's free to download.
Yes — 20 of the top 1st payment apps we rank are free to download, including WhatsApp Messenger and Service 1st Mobile Banking.
WhatsApp Messenger shows ads and offers in-app purchases, according to its App Store listing as of July 2026.
We track 249+ 1st payment apps on the iOS App Store as of July 2026, ranked by rating, recency, and analysis of real user reviews.
This app is a free messaging and calling application that allows users to connect with friends and family worldwide. It offers private messaging, high-quality voice and video calls, and the ability to share various types of content.
Key features include end-to-end encrypted private messaging and calls, group chats and calls with up to 32 people, cross-device connectivity (mobile, tablet, desktop), location sharing, and Status updates that disappear after 24 hours.