Best Aops Paying Apps

215+ iOS apps curated and reviewed

4.7 avg rating
20 free apps
Updated August 2026

Out of 215+ aops paying apps on iOS, 20 are free and the rest sit in the paid tier. This page sorts them so you can compare both sides before you commit.

Compare top Aops Paying Apps (August 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Four | Buy Now, Pay LaterFour | Buy Now, Pay LaterFree4.8★ (117K)NoNoSep 2026
2Cash AppCash AppFree4.8★ (8.7M)NoNoSep 2026
3PayLater: Split Your PaymentsPayLater: Split Your PaymentsFree3.5★ (292)NoNoSep 2026
4VenmoVenmoFree4.8★ (15M)NoNoSep 2026
5Perpay - Shop and Build CreditPerpay - Shop and Build CreditFree4.9★ (16K)NoNoSep 2026
6Zip - Buy Now, Pay LaterZip - Buy Now, Pay LaterFree4.9★ (858K)NoNoSep 2026
7Affirm: Buy now, pay over timeAffirm: Buy now, pay over timeFree4.9★ (1.7M)NoNoSep 2026
8Afterpay: Pay over timeAfterpay: Pay over timeFree4.9★ (753K)NoNoSep 2026

Top Picks for Aops Paying

Four | Buy Now, Pay Later#1

Four | Buy Now, Pay Later by Four Technologies, Inc

Flexible Shopping & Payments
Editor's Choice
🛍️ Shopping
4.8😞(117K ratings)
Free
#56in Shopping
Four | Buy Now, Pay Later screenshot 1
Four | Buy Now, Pay Later screenshot 2
Four | Buy Now, Pay Later screenshot 3
Four | Buy Now, Pay Later screenshot 4
Four | Buy Now, Pay Later screenshot 5

Shop your favorite online stores and split purchases into four interest-free payments. Manage all your orders and payment schedules in one convenient app, with optional upgrades for exclusive benefits.

What We Love

  • 💳 Convenient payment option
  • 🛒 Wide variety of stores
  • 🤑 Affordable payment plans
  • 📈 Increasing spending limits
  • 🤩 Great app experience

Room to Improve

  • 🤖 Poor customer service
  • ❌ Declined/canceled orders
  • 💰 Unauthorized charges
  • 🕰️ Slow refund processing
  • 🔒 Account/login issues
Cash App#2

Cash App by Block, Inc.

Money. Debit Card. Bitcoin.
Strong Contender
💰 Finance
4.8😞(8.7M ratings)
Free
#5in Finance
Cash App screenshot 1
Cash App screenshot 2
Cash App screenshot 3
Cash App screenshot 4
Cash App screenshot 5
Cash App screenshot 6

Easily send and receive money or bitcoin instantly. Save by rounding up change, invest in stocks or bitcoin, and get paid up to two days early with direct deposit. Features a customizable debit card with exclusive discounts.

What We Love

  • 💳 Easy money transferring
  • 🚀 Convenient and user-friendly app
  • 🤑 Referral bonuses and discounts
  • 🤑 Free tax filing
  • 🤑 Borrow money feature

Room to Improve

  • 🔒 Security issues and account hacking
  • 🤖 Poor customer service and lack of live support
  • 💰 Unexpected fees and charges
  • 🔍 Unclear account restrictions and limits
  • 🐛 App crashes and technical issues
PayLater: Split Your Payments#3

PayLater: Split Your Payments by Pay Later

Relax, PayLater
Worth Considering
💰 Finance
3.5😞(292 ratings)
Free
PayLater: Split Your Payments screenshot 1
PayLater: Split Your Payments screenshot 2
PayLater: Split Your Payments screenshot 3
PayLater: Split Your Payments screenshot 4
PayLater: Split Your Payments screenshot 5
PayLater: Split Your Payments screenshot 6

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.

What We Love

  • 👍 Trusted
  • 👍 Great experience

Room to Improve

  • 💡 No Arabic language support
  • 💡 Low spending limit
  • 🐛 Debit card not supported
  • 🐛 OTP not received
  • 🐛 Unable to delete app and restart
  • 🐛 Discriminatory spending limits between customers

More Aops Paying apps to explore

FAQ about Aops Paying

What are the best aops paying apps for iPhone?
Four | Buy Now, Pay Later tops our aops paying apps ranking as of August 2026, with a 4.8-star average from 117K App Store ratings, and it's free to download.
Yes — 20 of the top aops paying apps we rank are free to download, including Four | Buy Now, Pay Later and Cash App.
Four | Buy Now, Pay Later has no ads and has no in-app purchases, according to its App Store listing as of August 2026.
We track 215+ aops paying apps on the iOS App Store as of August 2026, ranked by rating, recency, and analysis of real user reviews.
This app allows you to shop at hundreds of online retailers and split your purchases into four equal payments. The payments are scheduled to be paid every two weeks, making it easier to manage your spending and stay on budget while shopping online.
When you choose to pay with Four at a partner retailer, your purchase is split into four payments. The first payment is made at the time of purchase, and the remaining three payments are automatically charged every two weeks. This provides a clear and predictable payment schedule.