Best Bill Pay Apps

225+ iOS apps curated and reviewed

4.8 avg rating
20 free apps
Updated June 2026

Finding the right bill pay app can be overwhelming with so many options. We've analyzed 225+ apps to bring you the best choices for 2026, from free options to premium solutions with advanced features.

Top Picks for Bill Pay

BILL AP & AR Business Payments#1

BILL AP & AR Business Payments by Bill.com

Pay bills and get paid online
Editor's Choice
๐Ÿ’ผ Business
4.9๐Ÿ˜ž(49K ratings)
Free
BILL AP & AR Business Payments screenshot 1
BILL AP & AR Business Payments screenshot 2
BILL AP & AR Business Payments screenshot 3
BILL AP & AR Business Payments screenshot 4

This app streamlines business payments and receivables, automating accounts payable and receivable processes. It offers flexible payment options and real-time tracking, saving time and improving cash flow.

What We Love

  • ๐Ÿš€ Efficient bill payment
  • ๐Ÿ‘ User-friendly interface
  • ๐Ÿš€ Convenient for on-the-go approvals
  • ๐Ÿ‘ Helpful for tracking payments

Room to Improve

  • ๐Ÿ› Login issues, especially for non-US users
  • ๐Ÿ•ฐ๏ธ Slow payment processing times
  • ๐Ÿค– Poor customer service and lack of phone support
Deferit: Pay bills in 4#2

Deferit: Pay bills in 4 by deferit Pty Ltd

Save & build credit history
Strong Contender
๐Ÿ’ฐ Finance
4.8๐Ÿ˜Š(28K ratings)
FreeAds
Deferit: Pay bills in 4 screenshot 1
Deferit: Pay bills in 4 screenshot 2
Deferit: Pay bills in 4 screenshot 3
Deferit: Pay bills in 4 screenshot 4
Deferit: Pay bills in 4 screenshot 5
Deferit: Pay bills in 4 screenshot 6

Manage your bills and budget with flexibility. This app allows you to pay almost any service bill in four smaller installments with no interest. It also helps you save money by negotiating better deals with providers and builds your credit history by reporting on-time payments.

What We Love

  • ๐Ÿ’ณ Helpful for paying bills in installments
  • โฑ๏ธ Fast bill payment processing
  • ๐Ÿ“† Ability to change payment due dates
  • ๐Ÿค Friendly and responsive customer service

Room to Improve

  • ๐Ÿ•ฐ๏ธ Delayed bill payments due to high volume
  • ๐Ÿค– Lack of phone/live chat support
  • ๐Ÿ’ฐ Subscription fees and processing fees
BILL Spend & Expense (Divvy)#3

BILL Spend & Expense (Divvy) by Bill.com

Corporate cards + expense mgt.
Worth Considering
๐Ÿ’ฐ Finance
4.8๐Ÿ˜(28K ratings)
FreeAds
BILL Spend & Expense (Divvy) screenshot 1
BILL Spend & Expense (Divvy) screenshot 2
BILL Spend & Expense (Divvy) screenshot 3
BILL Spend & Expense (Divvy) screenshot 4
BILL Spend & Expense (Divvy) screenshot 5

This app offers a free, automated solution for managing business expenses. It combines corporate cards with software to track spending, provide real-time budget insights, and automate expense recording. It helps businesses stay within budget, manage approvals, and integrate with accounting software.

What We Love

  • ๐Ÿš€ Simplicity and ease of use
  • ๐Ÿ‘ Intuitive and user-friendly app
  • ๐Ÿš€ Efficient expense tracking and reporting
  • ๐Ÿš€ Seamless integration with accounting software

Room to Improve

  • ๐Ÿ› Buggy app with crashes and glitches
  • ๐Ÿ•ฐ๏ธ Slow processing of payments and refunds
  • ๐Ÿค” Confusing budgeting and allocation system

More Bill Pay apps to explore

4
Papaya: Securely Pay Any Bill
Papaya: Securely Pay Any Bill
Papaya: Securely Pay Any Bill
Fast & Secure Bill Payments
Free

This app offers a streamlined and secure method for paying all your bills, eliminating the need for multiple logins or mailing checks. It utilizes advanced technology to process payments quickly and efficiently, supporting various payment methods for a wide range of bill types.

Pay any billFast paymentsSecure processing
๐Ÿ’ฐ Finance
(118K)
free
5
Four | Buy Now, Pay Later
Four | Buy Now, Pay Later
Four | Buy Now, Pay Later
Flexible Shopping & Payments
Free

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.

Split purchases into 4 paymentsPay every two weeksManage orders in one app
๐Ÿ›๏ธ Shopping
(109K)
freemium
6
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
๐Ÿ›๏ธ Shopping
(752K)
free with in-app purchases
7
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
๐Ÿ’ฐ Finance
(25K)
free
8
Tabby: Pay over time
Tabby: Pay over time
Tabby: Pay over time
Pay in 4. No hidden fees
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
๐Ÿ’ฐ Finance
(82K)
free
9
Paytient
Paytient
Paytient
Feel better. Pay later.
Free

This app provides a sponsored line of credit for out-of-pocket healthcare expenses for your entire family. It allows you to pay for care over time with no interest or fees, covering copays, coinsurance, and bills received after treatment. Manage your account, track spending, and set flexible repayment plans easily.

Interest-free healthcare creditPay for care over timeNo fees or credit checks
๐Ÿฅ Medical
(3.5K)
free with in-app purchases
10
Sezzle - Buy Now, Pay Later
Sezzle - Buy Now, Pay Later
Sezzle - Buy Now, Pay Later
Shop & Pay in 4ยน
Free

This app allows you to buy now and pay later with interest-free installments over six weeks. Easily split purchases into four payments, manage your budget, and discover exclusive deals from thousands of retailers. Enjoy a seamless shopping experience with flexible rescheduling options and instant approval.

Buy now, pay laterPay in 4 interest-free installmentsNo interest or hidden fees
๐Ÿ›๏ธ Shopping
(290K)
free with in-app purchases
11
Goodbudget Budget Planner
Goodbudget Budget Planner
Goodbudget Budget Planner
Money & Expense Tracker
Free

This app helps you manage your finances and plan your spending using a virtual envelope system. Track expenses, monitor debt, and gain insights with helpful reports. Share your budget with family or friends across multiple devices.

Virtual envelope budgetingShared budgetsExpense tracking
๐Ÿ’ฐ Finance
(13K)
freemium
12
Zip - Buy Now, Pay Later
Zip - Buy Now, Pay Later
Zip - Buy Now, Pay Later
Shop & Pay in 4ยน
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
๐Ÿ›๏ธ Shopping
(823K)
free with in-app purchases
13
Bills Organizer & Reminder
Bills Organizer & Reminder
Bills Organizer & Reminder
Bill Manager and Bill Monitor
Free

Manage all your bills in one place to avoid late fees and penalties. Track upcoming payments with customizable reminders and view your financial overview through charts and calendars. Securely access your data and easily mark bills as paid.

Bill tracking and managementCustomizable payment remindersRecurring and one-time bill setup
๐Ÿ’ฐ Finance
(22K)
free with in-app purchases
14
Flex - Rent On Your Schedule
Flex - Rent On Your Schedule
Flex - Rent On Your Schedule
Pay rent on your own schedule
Free

This app allows renters to split their monthly rent into smaller, manageable payments. It facilitates on-time rent payments, helps build credit history, and offers a flexible repayment schedule.

Split rent into smaller paymentsPay rent on your own scheduleBuild credit history
๐Ÿ’ฐ Finance
(413K)
free with in-app purchases
15
doxo: All-in-One Bill Pay
doxo: All-in-One Bill Pay
doxo: All-in-One Bill Pay
Securely Track and Pay Bills
Free

Manage all your bills from one secure place. Pay over 120,000 billers with free delivery options and receive unlimited reminders to ensure you never miss a due date. Track payments and expenses in real-time.

Organize bills in one accountPay over 120,000 billersFree payment delivery
๐Ÿ’ฐ Finance
(1.1K)
free with in-app purchases
16
Pay with Sublime
Pay with Sublime
Pay with Sublime
Split up and save on bills
Free

This app helps you lower your bills by splitting payments and earning cash back. It automatically finds savings, negotiates on your behalf, and tracks your subscriptions. Take control of your finances and reduce expenses without direct customer service calls.

Split bills into smaller paymentsEarn 5% cash back on timely paymentsAutomatic bill negotiation
๐Ÿ’ฐ Finance
(103)
free
17
Bills Manager
Bills Manager
Bills Manager
Never miss a bill again
Free

Easily track your bills and avoid late fees with this intuitive app. It offers a clean interface for managing payments, viewing upcoming due dates, and receiving customizable notifications. All your data is stored locally on your device for privacy.

Monthly bill listCalendar viewPast due and upcoming bills overview
๐Ÿ’ฐ Finance
(7.9K)
free with in-app purchases
18
tricount: Split & Settle Bills
tricount: Split & Settle Bills
tricount: Split & Settle Bills
Bill Splitter & Track Expenses
Free

Easily split bills and track shared expenses with friends, roommates, or partners. Manage group costs for trips, rent, or dinners with real-time overviews and instant payment requests. Stay organized and settle up fairly, even with uneven amounts or multiple currencies.

Free and unlimited expense trackingFairly split even uneven amountsManage group expenses for trips, rent, and more
๐Ÿ’ฐ Finance
(7K)
ad-supported
19
PayPal - Send, Manage, Pay
PayPal - Send, Manage, Pay
PayPal - Send, Manage, Pay
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
๐Ÿ’ฐ Finance
(6.3M)
free with in-app purchases
20
Affirm: Buy now, pay over time
Affirm: Buy now, pay over time
Affirm: Buy now, pay over time
Flexible payments, big savings
Free

This app allows users to pay for purchases over time with flexible payment options. It offers clear payment plans, deals, and the ability to set up automatic payments. Users can also apply for a card to use anywhere Visa is accepted for convenient installment payments.

Pay over time online and in-storeFlexible payment optionsDiscover 0% APR deals
๐Ÿ›๏ธ Shopping
(1.7M)
free with in-app purchases

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