Best By Pay App

242+ iOS apps curated and reviewed

4.6 avg rating
20 free apps
Updated May 2026

The best by pay app apps on iPhone average 4.6★ across 242+ titles — we've ranked them by what real users actually keep on their phones. Updated May 2026.

Top Picks for By Pay App

Split Pay – Pay Rent in Two#1

Split Pay – Pay Rent in Two by Visible Ideas, Inc.

Pay rent on your schedule
Editor's Choice
💰 Finance
4.8😊(9.5K ratings)
Free
Split Pay – Pay Rent in Two screenshot 1
Split Pay – Pay Rent in Two screenshot 2
Split Pay – Pay Rent in Two screenshot 3
Split Pay – Pay Rent in Two screenshot 4
Split Pay – Pay Rent in Two screenshot 5
Split Pay – Pay Rent in Two screenshot 6

A secure and fee-free rent payment app that directly transfers money to landlords, allows scheduling of one-time or repeat payments, and offers the option to report rent payments to credit bureaus for building credit. Simply connect your bank account, enter rent details, and your landlord will be notified once payment is made. Prioritizing security with end-to-end encryption, SOC2 compliance, and proactive defense measures.

What We Love

  • 🚀 Great service with team members that go above and beyond
  • 👍 Easy to use and intuitive
  • 💡 Helpful split pay feature
  • 🚀 Smooth and seamless process

Room to Improve

  • 🐛 Delayed rent payments to landlord
  • 🐛 Accounts suspended with no explanation
  • 🐛 Difficult to get approved for split pay
Payactiv#2

Payactiv by PayActiv Inc.

On-demand pay and beyond
Strong Contender
💰 Finance
4.7😞(77K ratings)
Free
Payactiv screenshot 1
Payactiv screenshot 2
Payactiv screenshot 3
Payactiv screenshot 4
Payactiv screenshot 5

Access your earnings early, manage spending, savings, and get discounts effortlessly with our app. Enjoy early access to your paycheck, instant mobile payments, smart spending insights, and grow your savings with real-time advice. Experience convenient and secure banking without hidden fees. Join us at www.payactiv.com.

What We Love

  • 🚀 Quick access to money
  • 👍 Convenient feature
  • 🚀 Easy to use
  • 🚀 Helpful in emergencies

Room to Improve

  • 🐛 App crashes and freezes
  • 🐛 Hours/funds not updating properly
  • 🔒 Security and login issues
Apple Wallet#3

Apple Wallet by Apple Inc.

Apple Pay, Apple Card and more
Worth Considering
💰 Finance
4.8😊(6.7M ratings)
FreeAds
Apple Wallet screenshot 1
Apple Wallet screenshot 2
Apple Wallet screenshot 3
Apple Wallet screenshot 4
Apple Wallet screenshot 5
Apple Wallet screenshot 6

An app that consolidates important items like credit cards, IDs, tickets, and more on your iPhone, promoting easy and secure payments in stores or online using Apple Pay, offering features like Apple Pay Later and Apple Card for simplified transactions and management.

What We Love

  • 🚀 Convenient and easy to use
  • 🔒 Secure with Face ID/Touch ID
  • 💳 Integrates credit/debit cards well
  • 🎟️ Stores tickets and passes

Room to Improve

  • 🚫 Limited ability to add loyalty/membership cards
  • 🤔 Inconsistent card detection and adding
  • 💰 Unauthorized charges and payment issues

More By Pay App apps to explore

4
Tolls NY
Tolls NY
Tolls NY
Official E-ZPass New York App
Free

Manage your E-ZPass account, pay Tolls by Mail invoices, view toll history, receive important alerts, and update information with the only official E-ZPass New York app. Download now for easy account management.

✈️ Travel
(249K)
5
rapid! Pay
rapid! Pay
rapid! Pay
rapid! Access PayCard OnDemand
Free

Get secure, on-the-go access to all your accounts with the rapid! Pay app. Manage your rapid! PayCard, view balances, transfer funds, and access earnings instantly. Experience cash back rewards, bill payment, personalized cards, and more.

💰 Finance
(179K)
6
Money App - Cash Advance
Money App - Cash Advance
Money App - Cash Advance
by PRG Ventures, Inc.
Free

Get quick access to cash with Money App's Cash Advance service. Receive up to $250 for immediate needs like groceries, gas, rent, and bills, with no hidden fees or credit checks. Simply sign up, link your bank account, apply, and get your money fast. Join Money App now to get started!

💰 Finance
(23K)
7
PhonePe: Secure Payments App
PhonePe: Secure Payments App
PhonePe: Secure Payments App
UPI, Recharges, Bills Payments
Free

A versatile payments app offering BHIM UPI, bill payments, recharges, and more. Seamlessly manage transactions and investments in one place. Download now for secure and convenient financial management.

💰 Finance
(159K)
8
myFlexPay (powered by Stream)
myFlexPay (powered by Stream)
myFlexPay (powered by Stream)
Take control of your finances
Free

Get instant access to your earned wages with myFlexPay. Partnered with your employer, myFlexPay allows you to stream your earnings into your account whenever you need them for a small fee. Experience financial freedom without waiting for your next paycheck.

💰 Finance
(6.6K)
9
Paid Keeper - Same Day Pay
Paid Keeper - Same Day Pay
Paid Keeper - Same Day Pay
Your money, when you need it
Free

Get instant access to your earnings with our app. Say goodbye to waiting for payday and hello to Same Day Pay! Download now and take control of your finances.

💰 Finance
(4.7K)
10
Freenow by Lyft - taxi & more
Freenow by Lyft - taxi & more
Freenow by Lyft - taxi & more
Taxis in a tap
Free

Experience seamless mobility with a super app that allows you to book taxis, private cars, eScooters, eBikes, Carsharing, eMopeds, and more across 9 European countries. Enjoy easy payments, smooth airport transfers, and convenient trip planning features all in one place.

✈️ Travel
(51K)
11
Kuda - Free transfer & payment
Kuda - Free transfer & payment
Kuda - Free transfer & payment
Pay, save & invest money
Free

Kuda is a financial app that offers free money transfers, savings, and bill payments. It provides easy access to banking services without hidden fees. Download now to simplify your finances.

💰 Finance
(133K)
12
NYC Pay or Dispute
NYC Pay or Dispute
NYC Pay or Dispute
Pay or Dispute Parking Tickets
Free

An official NYC app for paying or disputing parking tickets. Features include payment options, ticket searches, evidence uploads, and viewing payment/dispute history. Download now for easy handling of violations.

💰 Finance
(423K)
13
E-PASS Toll App
E-PASS Toll App
E-PASS Toll App
Download the E-PASS Toll app
Free

Manage your E-PASS prepaid toll account with ease using the E-PASS Toll app. Check balances, receive alerts, add funds, update information, and more with just a few taps. Download now for seamless toll management on the go!

✈️ Travel
(15K)
14
ParkNYC Powered by Flowbird
ParkNYC Powered by Flowbird
ParkNYC Powered by Flowbird
Pay In A New York Minute
Free

ParkNYC Powered by Flowbird - Pay In A New York Minute. Easily find and pay for parking in NYC with the ParkNYC app. Enjoy mobile payments, find your car, and convenient notifications. Save time - install now!

💼 Business
(193K)
15
Deferit: Pay bills in 4
Deferit: Pay bills in 4
Deferit: Pay bills in 4
Save & build credit history
Free

Pay and manage your bills effortlessly with our app. Take a photo of your bill, select the amount, and we pay it for you. Save money, build credit history, and join over 500,000 users taking control of their bills today!

💰 Finance
(23K)
16
Online Portal by AppFolio
Online Portal by AppFolio
Online Portal by AppFolio
Pay rent or dues instantly
Free

An online portal allowing residents in properties managed by AppFolio to easily pay rent or dues, submit maintenance requests, access important documents, and stay connected with their property or association managers. Enjoy seamless access to essential tools and information for a hassle-free experience.

📊 Productivity
(1.9K)
17
Connect & Pay
Connect & Pay
Connect & Pay
by 365 Retail Markets, LLC
Free

Connect is a mobile application that allows users to easily find, connect, and network with professionals in their industry. The app provides a platform for users to create detailed profiles, search for connections based on various filters, and engage in meaningful professional relationships. Expand your network and advance your career with Connect!

🛍️ Shopping
(9K)
18
Skrill - Pay & Transfer Money
Skrill - Pay & Transfer Money
Skrill - Pay & Transfer Money
Fast, secure online payments
Free

A secure mobile payment app that allows users to effortlessly send and receive money, pay for purchases, and manage their finances on the go. Simplify your transactions with Skrill – download now!

💰 Finance
(23K)
19
Instant Financial
Instant Financial
Instant Financial
by Instant Financial Inc.
Free

Gain fee-free, real-time access to earned wages with Instant. Manage bills, transfers, and savings easily. Take control of your finances today!

💰 Finance
(9.9K)
20
ZayZoon - Wages On-Demand
ZayZoon - Wages On-Demand
ZayZoon - Wages On-Demand
Benefit for Eligible Employees
Free

This application provides on-demand access to earned wages, allowing users to choose how much of their wages they'd like to receive instantly. It includes financial wellness tools, instant money transfers, flat fee access, and the option to boost spending power. To use the app, employers must have an agreement with the service. Visit the website to learn more.

💰 Finance
(36K)