Best Ctpay Apps

228+ iOS apps curated and reviewed

4.7 avg rating
20 free apps
Updated June 2026

Afterpay is the household name in ctpay, but it's far from the only option. We track 228+ alternatives and competitors on iOS — many free, many higher-rated than you'd expect.

Compare top Ctpay Apps (June 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Afterpay: Pay over timeAfterpay: Pay over timeFree4.9★ (752K)YesNoJul 2026
2Klarna: Smarter everyday moneyKlarna: Smarter everyday moneyFree4.9★ (2.3M)YesNoJul 2026
3Coinbase: Buy Crypto & StocksCoinbase: Buy Crypto & StocksFree4.7★ (1.8M)YesNoJul 2026
4Changelly Exchange・Buy CryptoChangelly Exchange・Buy CryptoFree4.6★ (6.3K)NoNoJul 2026
5Zap Surveys - Earn Easy MoneyZap Surveys - Earn Easy MoneyFree4.4★ (265K)YesNoJul 2026
6FastPay WalletFastPay WalletFree4.3★ (5.4K)NoNoJul 2026
7QuickBooks GoPayment POSQuickBooks GoPayment POSFree4.8★ (6.4K)YesNoJul 2026
8Stripe DashboardStripe DashboardFree4.7★ (69K)NoNoJul 2026

Top Picks for Ctpay

Afterpay: Pay over time#1

Afterpay: Pay over time by Afterpay Holdings Ltd

Shop Now. Split your payments.
Editor's Choice
🛍️ Shopping
4.9😐(752K ratings)
FreeAds
#34in 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
Klarna: Smarter everyday money#2

Klarna: Smarter everyday money by Klarna Bank AB

Cashback, payments, savings
Strong Contender
💰 Finance
4.9😞(2.3M ratings)
FreeAds
#11in Finance
Klarna: Smarter everyday money screenshot 1
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Klarna: Smarter everyday money screenshot 6

Shop anywhere with flexible payment options, including interest-free installments and pay-in-30-days. Earn cashback, compare prices, track deliveries, and manage returns easily. Also offers mobile phone service.

What We Love

  • 💳 Easy payment process
  • 📦 Wide range of stores
  • 🕰️ Flexible payment plans
  • 🔍 Convenient for large purchases

Room to Improve

  • 🚫 Inconsistent approval process
  • ⚠️ Lack of Apple Wallet integration
  • 🤖 Automated decision-making issues
Coinbase: Buy Crypto & Stocks#3

Coinbase: Buy Crypto & Stocks by Coinbase, Inc.

Most trusted crypto exchange
Worth Considering
💰 Finance
4.7(1.8M ratings)
FreeAds
#38in Finance
Coinbase: Buy Crypto & Stocks screenshot 1
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Coinbase: Buy Crypto & Stocks screenshot 6

Securely buy, sell, trade, and store a wide range of cryptocurrencies. Manage your digital assets and explore prediction markets and stock trading within a unified portfolio. Earn rewards through staking and recurring buys.

More Ctpay apps to explore

4
Changelly Exchange・Buy Crypto
Changelly Exchange・Buy Crypto
Changelly Exchange・Buy Crypto
Bitcoin BTC・USDT・Litecoin・ETH
Free

This platform allows users to exchange, buy, and sell over 1,000 cryptocurrencies with competitive rates and transparent fees. It supports various payment methods, including credit cards and bank transfers, and offers 24/7 support. Stay updated with the latest crypto news and market data.

Exchange 1,000+ cryptocurrenciesBuy crypto with credit card/bank transferSell crypto via Visa/Mastercard/bank transfer
💰 Finance
(6.3K)
free with in-app purchases
5
Zap Surveys - Earn Easy Money
Zap Surveys - Earn Easy Money
Zap Surveys - Earn Easy Money
Take a Survey. Get Paid Cash.
Free

Share your opinions with companies and get paid for your advice. Take surveys of varying lengths and types, including logo polling and location-based options. Cash out your earnings via PayPal or various eGift cards once you reach $10.

Take surveys for cashGuaranteed daily surveysLogo polling surveys
🌟 Lifestyle
(265K)
ad-supported
6
FastPay Wallet
FastPay Wallet
FastPay Wallet
Secured & Most Convenient
Free

Manage your finances with a secure and convenient mobile money app. Easily register, add funds, and perform transactions like mobile recharges, QR payments, and money transfers. Discover local offers and access transaction history.

Fast account registrationQR code paymentsSend money
💰 Finance
(5.4K)
free
7
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
8
Stripe Dashboard
Stripe Dashboard
Stripe Dashboard
Accept and manage payments
Free

Manage your business finances and accept payments from anywhere. Monitor revenue, balances, and payouts in real-time. Send invoices, create subscriptions, and issue refunds directly from your mobile device.

Real-time revenue and balance monitoringAccept in-person paymentsSend payment links and invoices
💼 Business
(69K)
free with in-app purchases
9
RedotPay: Crypto Card & Pay
RedotPay: Crypto Card & Pay
RedotPay: Crypto Card & Pay
Crypto Card & Payment & Wallet
Free

This app allows users to spend cryptocurrency like cash globally using virtual and physical cards. It also offers a crypto credit account, fiat on-ramps, and a multi-currency wallet for seamless management of digital assets and local currencies.

Spend crypto like cash worldwideStablecoin-based virtual & physical cardsCrypto credit account
💰 Finance
(3.7K)
free with in-app purchases
10
Privacy.com: Virtual Cards
Privacy.com: Virtual Cards
Privacy.com: Virtual Cards
Protect Your Payments
Free

Safeguard your online transactions by creating virtual payment cards. Protect your actual financial details from compromised cards, unexpected charges, and recurring subscription fees. Enjoy enhanced security and control over your spending with customizable limits and real-time monitoring.

Create virtual payment cardsMerchant-locked cardsOne-time-use cards
💰 Finance
(7.1K)
free with in-app purchases
11
Xe Money Transfer & Currency
Xe Money Transfer & Currency
Xe Money Transfer & Currency
Transfer, Exchange & Converter
Free

Easily send money internationally to over 200 countries and 100+ currencies. Get competitive rates, track transfers, and choose flexible payment and payout methods. Millions trust this app for fast, secure, and reliable global money transfers.

Send money internationally to 200+ countriesTransfer across 100+ currenciesCheck live exchange rates
💰 Finance
(122K)
free with in-app purchases
12
Taptap Send: Money Transfer
Taptap Send: Money Transfer
Taptap Send: Money Transfer
Send Money Abroad Fast & Easy
Free

Easily send money internationally to friends and family abroad. This app offers fast, safe, and affordable transfers with competitive exchange rates and multiple payout options like mobile wallets, bank transfers, and cash pickup.

Fast money transfersLow-cost transfersGreat exchange rates
💰 Finance
(83K)
free with in-app purchases
13
Amex
Amex
Amex
Payments, Balance & Rewards
Free

Manage your American Express account securely from anywhere. Track spending, view rewards, pay your bill, and discover personalized offers. Enjoy quick, safe access with biometric login and instant alerts for added peace of mind.

Secure account managementTrack spending and rewardsPay bills and manage balance
💰 Finance
(4.3M)
free
14
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
💰 Finance
(118K)
free
15
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 this app. Check your balance, receive low balance alerts, add funds, and update your vehicle information. Florida drivers can also pay Pay By Plate toll invoices.

Check account balanceLow balance alertsAdd funds
✈️ Travel
(15K)
free
16
Monica - Pay, Send, Bills
Monica - Pay, Send, Bills
Monica - Pay, Send, Bills
Everything Money and Bills
Free

Manage your finances, pay bills, and shop with discounts all in one place. This app offers instant money transfers, secure transactions, and a virtual dollar card for global shopping. Enjoy free bank withdrawals and easy bill payments.

Tag & Scan to PayShop with DiscountsPay Bills with Ease
💰 Finance
(14K)
free
17
Panda Remit
Panda Remit
Panda Remit
Send money to world
Free

Send money globally with a trusted remittance service. Supports over 50 countries and offers fast transfers, competitive exchange rates, and secure transactions. Ideal for personal and educational payments.

Global remittances in 50+ countriesReceive money via banks and e-walletsSupports small & large amount transfers
💰 Finance
(8.4K)
free with in-app purchases
18
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
19
Touch ‘n Go eWallet
Touch ‘n Go eWallet
Touch ‘n Go eWallet
It’s the way to GO
Free

Manage your finances, pay bills, invest, and travel with a secure digital wallet. Access a wide range of financial services, rewards, and lifestyle perks all in one place.

Secure digital walletBill payments and reloadsInvestments and savings
💰 Finance
(4.4K)
free with in-app purchases
20
Bitget Wallet: Crypto, Markets
Bitget Wallet: Crypto, Markets
Bitget Wallet: Crypto, Markets
Trusted BTC, ETH, Swap & Pay
Free

This app provides a secure and comprehensive platform for managing digital assets across over 130 blockchains. It offers features like multi-chain trading, market insights, earning opportunities, and a DApp browser, all while prioritizing user asset security.

Multi-chain asset managementSwap and trade across DEXsReal-time market insights
💰 Finance
(5.6K)
free

FAQ about Ctpay

What are the best ctpay apps for iPhone?
Afterpay: Pay over time tops our ctpay apps ranking as of June 2026, with a 4.9-star average from 752K App Store ratings, and it's free to download.
Yes — 20 of the top ctpay apps we rank are free to download, including Afterpay: Pay over time and Klarna: Smarter everyday money.
Afterpay: Pay over time shows ads and has no in-app purchases, according to its App Store listing as of June 2026.
We track 228+ ctpay apps on the iOS App Store as of June 2026, ranked by rating, recency, and analysis of real user reviews.
Afterpay is a service that allows you to shop now and pay for your purchases over time. You can split your payments into manageable installments, typically paying in 4 over six weeks or opting for monthly payments on eligible orders.
With the 'Pay in 4' feature, you can split your purchase into four equal installments. The first payment is due at the time of purchase, and the remaining three are generally paid every two weeks over the course of six weeks.