Best 1St Payment Apps

216+ iOS apps curated and reviewed

4.6 avg rating
20 free apps
Updated July 2026

The best 1st payment apps on iPhone average 4.6★ across 216+ 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
1Tamara | Shop Now Pay LaterTamara | Shop Now Pay LaterFree4.7★ (59K)NoNoJul 2026
2Service 1st Mobile BankingService 1st Mobile BankingFree4.9★ (3.9K)NoNoJul 2026
3ACT 1st FCUACT 1st FCUFree4.5★ (175)NoNoJul 2026
4WavePayWavePayFree3.8★ (1.8K)YesNoJul 2026
5QuickBooks GoPayment POSQuickBooks GoPayment POSFree4.8★ (6.4K)YesNoJul 2026
6Cherry: The Smarter Way to PayCherry: The Smarter Way to PayFree4.9★ (275)NoNoJul 2026
7JIM: Tap to Pay & Payment LinkJIM: Tap to Pay & Payment LinkFree4.7★ (9.6K)YesNoJul 2026
8Sahl سهل - Payments Made EasySahl سهل - Payments Made EasyFree4.8★ (9.6K)NoNoJul 2026

Top Picks for 1St Payment

Tamara | Shop Now Pay Later#1

Tamara | Shop Now Pay Later by Tamara FZE

Pay in up to 24, No late fees
Editor's Choice
💰 Finance
4.7😞(59K ratings)
Free
Tamara | Shop Now Pay Later screenshot 1
Tamara | Shop Now Pay Later screenshot 2
Tamara | Shop Now Pay Later screenshot 3
Tamara | Shop Now Pay Later screenshot 4
Tamara | Shop Now Pay Later screenshot 5
Tamara | Shop Now Pay Later screenshot 6

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.

What We Love

  • 👍 Easy to use
  • 💡 Helpful payment splitting
  • 🚀 Smooth and fast transactions
  • 🙏 Excellent customer service

Room to Improve

  • 🐛 Unreliable payment processing
  • 🤬 Terrible customer support
  • ❌ Unauthorized charges
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😊(3.9K 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
ACT 1st FCU#3

ACT 1st FCU by ACT 1st Federal Credit Union

Worth Considering
💰 Finance
4.5(175 ratings)
Free
ACT 1st FCU screenshot 1
ACT 1st FCU screenshot 2
ACT 1st FCU screenshot 3
ACT 1st FCU screenshot 4
ACT 1st FCU screenshot 5

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.

More 1St Payment apps to explore

4
WavePay
WavePay
WavePay
Digital Payments
Free

This app facilitates digital payments for everyday needs, including sending money, scanning QR codes for purchases, topping up mobile credit, and paying bills. It offers secure transactions with PIN protection and a unique device login feature. Users can also link bank accounts and MPU cards for easy fund transfers.

Send money via mobile numberScan QR codes for instant paymentsMobile top-ups and pack purchases
💰 Finance
(1.8K)
free with in-app purchases
5
QuickBooks GoPayment POS
QuickBooks GoPayment POS
QuickBooks GoPayment POS
Mobile POS
Free

Accept in-person and contactless payments directly on your iPhone without extra hardware. Manage sales, send receipts, and sync transactions with your accounting software. Streamline your business finances on the go.

Accept contactless payments via Tap to Pay on iPhoneProcess debit and credit card paymentsSend text or email receipts
💼 Business
(6.4K)
free with in-app purchases
6
Cherry: The Smarter Way to Pay
Cherry: The Smarter Way to Pay
Cherry: The Smarter Way to Pay
Make payments and manage plans
Free

Manage multiple payment plans easily and make payments in seconds. Track your progress and plan for the future with no surprises. Access health and wellness services through manageable payment plans.

Manage multiple payment plansMake payments in secondsTrack payment progress
💰 Finance
(275)
free
7
JIM: Tap to Pay & Payment Link
JIM: Tap to Pay & Payment Link
JIM: Tap to Pay & Payment Link
Sell & Get Paid Now
Free

Accept contactless payments directly on your iPhone without extra hardware. Get paid instantly and access funds immediately with a prepaid card. Utilize AI-driven insights to grow your business.

Accept contactless paymentsInstant fund accessSpend with JIM Visa® Prepaid card
💰 Finance
(9.6K)
free with in-app purchases
8
Sahl سهل - Payments Made Easy
Sahl سهل - Payments Made Easy
Sahl سهل - Payments Made Easy
One Stop For All Your Bills
Free

Manage, track, and pay all your bills from one secure app. This app offers hassle-free bill payments for utilities, mobile, subscriptions, and more. It's the only mobile app in Egypt to directly charge electricity cards from your phone.

Manage all bills in one placeDirect electricity card chargingTrack electricity card consumption
💰 Finance
(9.6K)
free
9
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
10
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
(83K)
free
11
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
(468K)
free with in-app purchases
12
PayPal - Pay, Send, Save
PayPal - Pay, Send, Save
PayPal - Pay, Send, Save
Savings, cash back, 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
13
Zip - Buy Now, Pay Later
Zip - Buy Now, Pay Later
Zip - Buy Now, Pay Later
Shop & Pay in 4¹
Free

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.

Split payments into 4 or 8 installmentsBi-weekly payment scheduleVirtual and physical payment cards
🛍️ Shopping
(831K)
free with in-app purchases
14
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
15
Vipps
Vipps
Vipps
by Vipps MobilePay AS
Free

Easily send and receive money across Norway, Sweden, Denmark, and Finland. This app simplifies payments online, in stores, and for recurring bills. It also offers features like digital gift wrapping and wish lists for convenient financial management.

Send, receive, and request money between Nordic countriesSchedule gifts with digital wrappingPay online, in stores, and at flea markets
💰 Finance
(2.3K)
free with in-app purchases
16
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
17
BenefitPay
BenefitPay
BenefitPay
by THE BENEFIT COMPANY B.S.C. (C) CLOSED
Free

This app enables fast, secure, and convenient payments and fund transfers using your smart device within Bahrain. It supports various payment methods, including QR codes, bill payments, and international remittances, with features for managing accounts and tracking transactions.

Enroll payment instrumentsInstant bank transfers (Fawri+)QR code payments
💰 Finance
(11K)
free
18
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
(378K)
free with in-app purchases
19
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
(266)
free
20
Google Opinion Rewards
Google Opinion Rewards
Google Opinion Rewards
Answer Surveys & Earn Money
Free

Share your opinions and earn money by completing quick surveys. Get paid up to $1 per survey via PayPal. Surveys are short, often under 20 seconds, and cover various topics like product reviews and location-based satisfaction.

Answer quick surveysEarn up to $1 per surveyReceive payment via PayPal
🌟 Lifestyle
(210K)
ad-supported

FAQ about 1St Payment

What are the best 1st payment apps for iPhone?
Tamara | Shop Now Pay Later tops our 1st payment apps ranking as of July 2026, with a 4.7-star average from 59K App Store ratings, and it's free to download.
Yes — 20 of the top 1st payment apps we rank are free to download, including Tamara | Shop Now Pay Later and Service 1st Mobile Banking.
Tamara | Shop Now Pay Later has no ads and has no in-app purchases, according to its App Store listing as of July 2026.
We track 216+ 1st payment apps on the iOS App Store as of July 2026, ranked by rating, recency, and analysis of real user reviews.
Tamara is a financial super-app that provides users with flexible payment options for their purchases. It allows you to shop now and pay later, either by splitting your payment into installments or paying in full. The app aims to give users more control over their finances and their shopping experience.
You can choose to pay for your purchases in installments, with options to split payments into 4 or more. This feature is available at thousands of partner stores, both online and in-store. The app emphasizes no late fees, ever, making it a predictable way to manage your spending.