Best Instore Pay Apps

4.8😐(6.3M ratings)

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#6in Finance

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.

What We Love

🚀 Extremely effective and reliable crypto recovery service
🔒 Secure payment processing
💰 Convenient way to send and receive money
👍 Easy to use app with simple interface

Room to Improve

🐛 Inconsistent customer support responses
🕰️ Slow money transfer times
💳 Holds on funds for new accounts
🤖 Overly automated with lack of human interaction

Zip - Buy Now, Pay Later by Zip Co US, Inc.

Shop Now & Pay Over Time

Strong Contender

4.9😊(858K ratings)

Free

#48in Shopping

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
🆙 Increasing credit limits
🏪 Wide range of merchant partners

Room to Improve

🐛 Unreliable app performance
🤔 Unclear refund/return policies
🤷‍♀️ Inconsistent customer support
🔒 Security/account issues
💰 Unexpected fees/charges

Klarna: Smarter everyday money by Klarna Bank AB

Cashback, payments, savings

Worth Considering

Styles Designed in Los Angeles

4.9😞(2.4M ratings)

FreeAds

#10in Finance

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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
🕰️ Slow/delayed refund processing
🤯 Poor customer service

More Instore Pay apps to explore

Lucy in the Sky Store

Real-time outfit inspirationShop latest fashion dropsFind dresses for any occasion

Discover real-time outfit inspiration and shop the latest fashion drops. Find the perfect dress for any occasion, from everyday wear to standout moments. This app offers a curated selection of stylish fits and closet goals.

Shop Now. Split your payments.

(4.7K)

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Afterpay: Pay over time

Split purchases into 4 paymentsMonthly payment options availableDiscover exclusive deals and brands

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.

(753K)

Varo Bank: Online Banking

Early Payday & Cash Advances

Early payday accessNo monthly or overdraft feesCash advances up to $500

This digital bank offers early payday access and cash advances up to $500. It provides high APY on savings, auto-saving tools, and a free secured credit card. Send money easily to anyone with just a phone number or email.

(233K)

Online checking and savings

GO2bank: Mobile banking

Early direct depositHigh-yield savings accountOverdraft protection

This mobile banking app simplifies money management with features like early direct deposit, high-yield savings, and overdraft protection. It offers transparent banking with no hidden fees and tools to build credit. Secure and convenient access to funds nationwide.

(64K)

Get paid. Track spend. Save.

myWisely: Mobile Banking

Get paid up to 2 days earlySave for goals automaticallyNo hidden or overdraft fees

Manage your finances with early access to paychecks, fee-free banking, and automated savings tools. This app allows you to track spending, pay bills, and save for your goals, even when changing jobs.

rapid! Access PayCard OnDemand

Activate/replace PayCardView balances and transaction historyTransfer funds between accounts

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.

(193K)

Affirm: Buy now, pay over time

Flexible payments, big savings

Pay over time online and in-storeFlexible payment optionsDiscover 0% APR deals

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.

(1.7M)

Shop: Track, Pay, Discover

Shopping app & package tracker

Shop favorite brands and local storesPrice drop and restock alertsSave and organize items into collections

Discover and shop from your favorite brands and local stores, receiving alerts for deals and new arrivals. Organize wishlists, track all your orders in one place, and enjoy a seamless one-tap checkout experience.

All Verizon. All in one place.

Personalized account viewManage mobile and home internetView usage and plan details

Manage your Verizon mobile and home internet accounts in one place. View usage, pay bills, shop for devices, and access support. Get personalized offers and manage your plan details easily.

🔧 Utilities

(5.5M)

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Macy's: Shop, Save, and Earn

Shopping, Rewards and Savings

Personalized For You pageApp-only offers and early accessIn-store barcode scanning

Easily find and purchase gifts with exclusive offers, fast pickup, and delivery options. Discover personalized recommendations, trending items, and festive décor for everyone on your list. Earn rewards and get alerted to special deals.

(2.4M)

Victoria's Secret—Bras & More

Shop Lingerie, Clothes, Beauty

Shop bras and lingerieDiscover clothing and activewearExplore fragrances and beauty products

Discover the latest trends in bras, lingerie, clothing, and fragrances. Shop a wide range of sizes and styles, find exclusive offers, and enjoy a seamless checkout experience. Earn rewards and access member-only perks.

(157K)

Shopping designed around you

Apple Store

Personalized product recommendationsBrowse latest Apple productsOrder tracking

Discover and shop the latest Apple products with a personalized experience. Get tailored recommendations, track orders, and access support. Explore creative tips and book in-store sessions.

(168K)

DHgate-Online Wholesale Stores

Fashion, Shoes&Clothes Coupon

Access to wholesale marketplaceMillions of products and sellersWholesale and personal purchasing

Access a vast wholesale marketplace directly from your mobile device. Connect with millions of Chinese sellers offering millions of products at wholesale prices. Enjoy secure payments, global logistics, and personalized recommendations for both business and personal use.

(621K)

Square Point of Sale (POS)

Payments & Business Dashboard

Accept all major payment typesIndustry-specific business modesInventory management

This all-in-one payments processing app helps businesses of all types manage operations, accept payments, and boost profits. It offers industry-specific modes for retail, restaurants, services, and beauty businesses, with features like inventory management, online booking, and invoicing.

💼 Business

(604K)

Four | Buy Now, Pay Later

Flexible Shopping & Payments

Split purchases into 4 paymentsPay every two weeksManage orders in one app

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.

Order, pay, and earn Stars.

Order ahead and customize drinksEarn Stars for free food and drinksSave payment methods and scan to pay

Easily order your favorite drinks and food ahead of time, customize your perfect beverage, and earn rewards with every purchase. Manage your Starbucks Card, send eGifts, and find nearby stores with hours and amenities.

🍔 Food & Drink

(8.3M)

Money. Debit Card. Bitcoin.

Cash App

Send & receive money/bitcoin instantlyRound up spare change to saveInvest in stocks, ETFs, and bitcoin

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.

(8.7M)