Best Merchant Payment App

0+ iOS apps curated and reviewed

4.2 avg rating
20 free apps
Updated June 2026

Out of 0+ merchant payment app on iOS, 20 are free and the rest sit in the paid tier. This page sorts them so you can compare both sides before you commit.

Compare top Merchant Payment App (June 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1PhonePe UPI, Payment, RechargePhonePe UPI, Payment, RechargeFree4.7★ (167K)NoNoAug 2026
2Airtel App: Recharge & BankAirtel App: Recharge & BankFree4.2★ (16K)YesNoAug 2026
3BHIM Bharat's Own Payments AppBHIM Bharat's Own Payments AppFree4.4★ (1.4K)NoNoAug 2026
4QuickBooks GoPayment POSQuickBooks GoPayment POSFree4.8★ (6.4K)YesNoAug 2026
5Paytm: Secure UPI PaymentsPaytm: Secure UPI PaymentsFree4.7★ (39K)YesNoAug 2026
6bKashbKashFree3.9★ (11K)NoNoAug 2026
7Wave MerchantWave MerchantFree4.2★ (10)NoNoAug 2026
8F&M Bank (OH, IN, MI)F&M Bank (OH, IN, MI)Free4.8★ (1.8K)YesNoAug 2026

Top Picks for Merchant Payment App

PhonePe UPI, Payment, Recharge#1

PhonePe UPI, Payment, Recharge by PHONEPE PRIVATE LIMITED

FASTag, Credit Card, Gold SIP
Editor's Choice
💰 Finance
4.7😐(167K ratings)
Free
PhonePe UPI, Payment, Recharge screenshot 1
PhonePe UPI, Payment, Recharge screenshot 2
PhonePe UPI, Payment, Recharge screenshot 3
PhonePe UPI, Payment, Recharge screenshot 4
PhonePe UPI, Payment, Recharge screenshot 5
PhonePe UPI, Payment, Recharge screenshot 6

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.

What We Love

  • 🚀 Instant payments
  • 👍 User-friendly interface
  • 🔒 Secure transactions
  • 💡 Diverse payment options

Room to Improve

  • 🐛 Transactions failing or pending
  • 🔍 Lack of customer support
  • 🔍 Difficult to resolve issues
Airtel App: Recharge & Bank#2

Airtel App: Recharge & Bank by Bharti Airtel Ltd.

Bill Payment, Recharges, UPI
Strong Contender
🌟 Lifestyle
4.2😞(16K ratings)
FreeAds
Airtel App: Recharge & Bank screenshot 1
Airtel App: Recharge & Bank screenshot 2
Airtel App: Recharge & Bank screenshot 3
Airtel App: Recharge & Bank screenshot 4
Airtel App: Recharge & Bank screenshot 5
Airtel App: Recharge & Bank screenshot 6

Manage all your Airtel services, including mobile recharges, bill payments, and banking. Explore 5G Plus speeds, pay utility bills, and access exclusive offers and cashback.

What We Love

  • 🚀 Easy to use
  • ⚡ Quick payments
  • 👍 Intuitive interface
  • 🔒 Secure transactions

Room to Improve

  • 🐛 Frequent app crashes
  • ⚠️ Inaccurate data usage tracking
  • 🤔 Confusing navigation

More Merchant Payment App apps to explore

4
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
5
Paytm: Secure UPI Payments
Paytm: Secure UPI Payments
Paytm: Secure UPI Payments
UPI, Recharge & Pay Bills
Free

This app offers secure and private UPI payments, bill recharges, and online shopping. It provides features like personalized UPI IDs, international payments, and spend analytics for users in India and abroad.

Secure UPI paymentsInternational UPI paymentsMobile and DTH recharges
💰 Finance
(39K)
free with in-app purchases
6
bKash
bKash
bKash
Transactions, now that simple
Free

This app simplifies financial transactions with features like mobile recharge, bill payments, and money transfers. It offers fast account registration, secure transactions, and personalized suggestions for services and offers.

Fast account registrationAdd money from bank/cardQR code payments
💰 Finance
(11K)
free
7
Wave Merchant
Wave Merchant
Wave Merchant
Merchant App for Wave Merchant
Free

This app provides merchants with a secure platform for managing online payments and tracking transactions. It offers features like dynamic QR code payments, real-time transaction history, and business analytics to help businesses streamline their financial operations.

Dynamic QR code paymentsReal-time transaction historyBusiness analytics
💰 Finance
(10)
free
8
F&M Bank (OH, IN, MI)
F&M Bank (OH, IN, MI)
F&M Bank (OH, IN, MI)
by The Farmers & Merchants State Bank
Free

Manage your banking needs conveniently and securely from your mobile device. Access account balances, transfer funds, deposit checks, pay bills, and manage your debit card. Find ATM and office locations easily.

Check account balances and transactionsManage debit cardTransfer funds between accounts
💰 Finance
(1.8K)
free
9
Ivy Pay - Therapist app
Ivy Pay - Therapist app
Ivy Pay - Therapist app
Credit Card Processing
Free

This app offers HIPAA-secure credit card processing specifically designed for therapists. It allows clients to securely store payment information, enabling easy and instant payments for services. The platform aims to simplify billing and ensure compliance for mental health professionals.

HIPAA-secure credit card processingClient card on file storageTap-to-pay functionality
💼 Business
(681)
free
10
Fidelity Online Banking
Fidelity Online Banking
Fidelity Online Banking
by Fidelity Bank Plc
Free

Manage your finances securely and easily from your mobile device. Perform transactions, transfer funds, pay bills, and access account statements anytime, anywhere. Enjoy convenient banking with features like biometric login and in-app messaging.

Secure transaction managementInter-bank fund transfersBiometric/Fingerprint login
💰 Finance
(1.9K)
free
11
DANA Dompet Digital Indonesia
DANA Dompet Digital Indonesia
DANA Dompet Digital Indonesia
Easy Topup, Send Money, QRIS
Free

This app facilitates cashless and card-less transactions, allowing users to scan QRIS codes, send money to various bank accounts, and top up e-wallet balances. It also supports saving bank cards for seamless payments and managing mobile recharges and bill payments securely.

QRIS scanning for paymentsSend money to bank accounts with no admin feesTop up DANA balance without admin fees
💰 Finance
(6.7K)
free
12
Zain Cash Jordan
Zain Cash Jordan
Zain Cash Jordan
Finance
Free

Manage your finances with a secure mobile payment service. Easily pay bills, transfer money, top up your mobile, and shop online. Get a Mastercard and control your financial life from your phone.

Electronic mobile payment serviceSecure financial transactionsPay bills
💰 Finance
(5.3K)
free
13
OPay Business
OPay Business
OPay Business
by OPay Digital Services Pte.Ltd.
Free

This app empowers Nigerian businesses with a comprehensive financial management suite. It offers diverse payment collection methods, employee and store management, and access to over 200 billers for seamless operations and growth.

Omnichannel payment collectionUnique account for transfersPOS application and management
💰 Finance
(465)
free
14
FM Bank MS
FM Bank MS
FM Bank MS
by Farmers & Merchants Bank MS
Free

Manage your finances on the go with mobile banking. View accounts, transfer funds, deposit checks, and pay bills securely. Locate branches and ATMs easily.

View account balancesReview recent transactionsTransfer funds between accounts
💰 Finance
(788)
ad-supported
15
GoPay: Transfer, Payment, QRIS
GoPay: Transfer, Payment, QRIS
GoPay: Transfer, Payment, QRIS
Free Transfer & QRIS Payments
Free

This app facilitates easy money transfers, bill payments, and online transactions. Users can top up mobile credit, pay for services like electricity and streaming, and make purchases on various e-commerce platforms. It also offers features for gaming top-ups, savings, and loans.

Free bank transfers up to 100x/monthTop-ups for digital wallets and mobile creditPay bills and services (PLN, PDAM, BPJS)
💰 Finance
(632)
free with in-app purchases
16
Pathao Pay Merchant
Pathao Pay Merchant
Pathao Pay Merchant
Digital Payment Solution
Free

This app simplifies merchant account creation for businesses. It offers a versatile digital payment solution for quick and effortless financial management, empowering users to transact, access, and manage funds all in one place.

Easy merchant account creationDigital payment walletInstant money withdrawal
💼 Business
(7)
free
17
Paystack Merchant
Paystack Merchant
Paystack Merchant
Sell anywhere, get paid faster
Free

This app enables businesses in Africa to receive payments globally through various methods like cards, bank accounts, and mobile money. It provides transaction management, payment requests, and easy login with biometric authentication. Users can also access support and update their business settings.

Request and receive international paymentsSupport for cards, bank accounts, USSD, mobile moneyPayment notifications
💼 Business
(25)
free
18
MX Merchant Express
MX Merchant Express
MX Merchant Express
by PRIORITY PAYMENT SYSTEMS LLC
Free

This app allows merchants to easily process credit card payments on their mobile devices. It supports all major card types and offers features like on-screen signatures and various receipt options. Setup is quick and straightforward for on-the-go transactions.

Accepts all major credit cardsOn-screen signature captureTexted, printed, and emailed receipts
💰 Finance
(28)
free
19
Clover Go - Dashboard & POS
Clover Go - Dashboard & POS
Clover Go - Dashboard & POS
Run your business on the Go
Free

This app empowers small business owners to manage their operations and accept payments remotely. Track sales, monitor employee performance, and process transactions securely from your mobile device.

Run business from anywhereTrack sales in real-timeAccept contactless payments
💰 Finance
(64K)
free
20
ABA Merchant
ABA Merchant
ABA Merchant
by Advanced Bank of Asia Ltd.
Free

This mobile point-of-sale solution allows businesses of any size to accept customer payments. It's designed for entrepreneurs and businesses like cafes, salons, or delivery services. Simply download, activate with your bank account, and start processing transactions.

Accept customer paymentsmPOS solutionSuitable for various business types
💰 Finance
(15)
free

FAQ about Merchant Payment App

What is the best merchant payment app for iPhone?
PhonePe UPI, Payment, Recharge tops our merchant payment app ranking as of June 2026, with a 4.7-star average from 167K App Store ratings, and it's free to download.
Yes — 20 of the top merchant payment app we rank are free to download, including PhonePe UPI, Payment, Recharge and Airtel App: Recharge & Bank.
PhonePe UPI, Payment, Recharge has no ads and has no in-app purchases, according to its App Store listing as of June 2026.
The app allows you to make secure UPI payments, transfer money between bank accounts, recharge your mobile and DTH services, pay various utility bills like electricity and gas, and make payments at offline and online stores. Additionally, you can invest in mutual funds and purchase various types of insurance policies.
You can link your bank account to the app and use BHIM UPI to transfer money instantly to other UPI users or merchants. The app supports managing multiple bank accounts, checking balances, and saving beneficiaries for easy transactions.