Best Auto Pay Plus Apps

219+ iOS apps curated and reviewed

4.5 avg rating
20 free apps
Updated July 2026

Every iPhone needs a few good auto pay plus apps. We benchmark 219+ of them on App Store rating, freshness, and pricing, then surface the standouts so you don't have to scroll the App Store yourself.

Compare top Auto Pay Plus Apps (July 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1AutoPayPlusAutoPayPlusFree3.5★ (13)NoNoJul 2026
2Afterpay: Pay over timeAfterpay: Pay over timeFree4.9★ (752K)YesNoJul 2026
3Zip - Buy Now, Pay LaterZip - Buy Now, Pay LaterFree4.9★ (840K)NoNoJul 2026
4CarpayCarpayFree4.8★ (4.9K)NoNoJul 2026
5ZayZoon - Wages On-DemandZayZoon - Wages On-DemandFree4.9★ (36K)YesNoJul 2026
6rapid! Payrapid! PayFree4.5★ (185K)NoNoJul 2026
7JIM: Tap to Pay & Payment LinkJIM: Tap to Pay & Payment LinkFree4.7★ (10K)YesNoJul 2026
8Tamara | Shop Now Pay LaterTamara | Shop Now Pay LaterFree4.7★ (59K)NoNoJul 2026

Top Picks for Auto Pay Plus

Afterpay: Pay over time#2

Afterpay: Pay over time by Afterpay Holdings Ltd

Shop Now. Split your payments.
Strong Contender
🛍️ Shopping
4.9😐(752K ratings)
FreeAds
#36in Shopping
Afterpay: Pay over time screenshot 1
Afterpay: Pay over time screenshot 2
Afterpay: Pay over time screenshot 3
Afterpay: Pay over time screenshot 4
Afterpay: Pay over time screenshot 5
Afterpay: Pay over time screenshot 6

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.

What We Love

  • 🚀 Convenient payment plan
  • 💳 No interest or hidden fees
  • 🤝 Good customer service (initially)
  • 📈 Increasing credit limit with usage

Room to Improve

  • 🐛 App/website technical issues
  • 🔒 Security and privacy concerns
  • 🤖 Lack of human customer support
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😊(840K ratings)
Free
#64in 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 Auto Pay Plus apps to explore

4
Carpay
Carpay
Carpay
Car loan management made easy
Free

Easily manage your car loan on the go. Make payments, view balances, and schedule automatic payments. Receive timely notifications to stay on top of your loan.

Make loan paymentsPrint receiptsCheck account balances
💰 Finance
(4.9K)
free
5
ZayZoon - Wages On-Demand
ZayZoon - Wages On-Demand
ZayZoon - Wages On-Demand
Benefit for Eligible Employees
Free

Access your earned wages instantly, any day of the week, to avoid late fees and payday loans. This app offers financial wellness tools like overdraft prediction and educational resources. It also provides options for increased spending power on gift cards for essentials.

Instant wage accessAvoid payday loansOverdraft prediction
💰 Finance
(36K)
free with in-app purchases
6
rapid! Pay
rapid! Pay
rapid! Pay
rapid! Access PayCard OnDemand
Free

Access your PayCard and on-demand earnings instantly. Manage your accounts, transfer funds, deposit checks remotely, and pay bills. Earn cash back rewards and find nearby ATMs.

Activate/replace PayCardView balances and transaction historyTransfer funds between accounts
💰 Finance
(185K)
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
(10K)
free with in-app purchases
8
Tamara | Shop Now Pay Later
Tamara | Shop Now Pay Later
Tamara | Shop Now Pay Later
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
9
Payactiv
Payactiv
Payactiv
On-demand pay and beyond
Free

Access your earned wages before payday, pay bills on time, and manage unexpected expenses with user-friendly digital tools. This app helps you achieve financial stability and reach your financial wellness goals without predatory loans or interest.

Early access to wagesGovernment payment early accessSpending and saving tools
💰 Finance
(78K)
free
10
ShinePay
ShinePay
ShinePay
Coin-Op Laundry Payment App
Free

Easily pay for laundry, EV charging, and other appliances directly from your smartphone. This app simplifies the process of using shared amenities, offering a convenient and modern payment solution.

Pay for laundry machinesPay for EV chargersAppliance payment
💰 Finance
(13K)
free
11
Payment for Stripe
Payment for Stripe
Payment for Stripe
Card Reader, Tap to Pay & POS
Free

Accept various payment methods including card readers and contactless payments directly on your iPhone. Manage products, subscriptions, customers, and send branded receipts. Ideal for businesses needing to process in-person transactions efficiently.

Card reader supportTap to Pay on iPhoneProduct and subscription sales
💼 Business
(8.9K)
free with in-app purchases
12
ImmediatePay
ImmediatePay
ImmediatePay
On-demand earned wage access
Free

Access a portion of your earned wages before your next payday. This app connects with employers to let you transfer funds instantly after your workday. It also provides financial wellness tools, including coaching, educational resources, and prescription savings.

Access earned wages between paydaysInstant fund transfersFinancial wellness tools
💰 Finance
(7.2K)
free
13
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
14
PhonePe: Secure Payments App
PhonePe: Secure Payments App
PhonePe: Secure Payments App
UPI, Recharges, Bills Payments
Free

This app facilitates secure digital payments, including UPI transfers, mobile and utility bill recharges, and online/offline purchases. It also offers investment options in mutual funds and insurance policies.

BHIM UPI money transfersMobile and DTH rechargesUtility bill payments
💰 Finance
(165K)
free with in-app purchases
15
Xpress Bill Pay
Xpress Bill Pay
Xpress Bill Pay
The trusted way to pay
Free

This app allows users to pay bills quickly and securely through partnerships with local city and billing organizations. It simplifies the payment process by letting you select your provider, look up your account, and set up auto-pay. Receive real-time alerts and pay using various methods.

Quick and secure bill paymentsPartnerships with local billing organizationsAuto-pay functionality
💰 Finance
(25K)
free
16
Nomod | Payment Links
Nomod | Payment Links
Nomod | Payment Links
Pay links and card processing
Free

Create and share payment links, process card payments, and sell anything anywhere. Offers online and in-person payment options, including buy now pay later services. Ideal for businesses needing flexible payment solutions.

Create and share payment linksAccept online and in-person paymentsSupport for Tabby & Tamara (BNPL)
💼 Business
(57)
free with in-app purchases
17
PayPal POS (ex Zettle)
PayPal POS (ex Zettle)
PayPal POS (ex Zettle)
Grow with our point of sale.
Free

This application allows businesses to accept various in-person payments, including cards and contactless methods. It also provides tools for managing inventory, tracking sales with reports, and creating staff accounts. Integrations are available for accounting, e-commerce, and specific industries.

Accept card and contactless paymentsIntuitive product library for inventorySales tracking and reporting
💼 Business
(1.1K)
free with in-app purchases
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
K PLUS
K PLUS
K PLUS
by KASIKORNBANK PCL
Free

This digital banking platform offers a comprehensive suite of financial services for online lifestyles. Manage accounts, make payments, access loans, and invest with ease. It also provides a loyalty points system and integration with various partner services.

Mobile number and QR code transfersBill payments with remindersCardless cash withdrawals
💰 Finance
(303)
free with in-app purchases
20
Apple Wallet
Apple Wallet
Apple Wallet
Apple Pay, Apple Card and more
Free

Securely store and manage digital versions of your credit/debit cards, IDs, transit passes, tickets, and keys. Use it to make payments, send money, and access venues and transportation with your iPhone or Apple Watch.

Store credit/debit cardsDigital driver's license/state IDTransit and event tickets
💰 Finance
(6.7M)
free

FAQ about Auto Pay Plus

What are the best auto pay plus apps for iPhone?
AutoPayPlus tops our auto pay plus apps ranking as of July 2026, with a 3.5-star average from 13 App Store ratings, and it's free to download.
Yes — 20 of the top auto pay plus apps we rank are free to download, including AutoPayPlus and Afterpay: Pay over time.
AutoPayPlus has no ads and has no in-app purchases, according to its App Store listing as of July 2026.
We track 219+ auto pay plus apps on the iOS App Store as of July 2026, ranked by rating, recency, and analysis of real user reviews.
AutoPayPlus is a finance app designed to help users align their loan payments with their paychecks and offers flexibility in adjusting payment amounts for faster loan repayment.
AutoPayPlus is compatible with iPhone, iPad, and iPod devices.