Best Pal Pay Apps

246+ iOS apps curated and reviewed

4.6 avg rating
20 free apps
Updated August 2026

With an average user rating of 4.6ā˜…, the pal pay category is one of the App Store's strongest. Browse all 246+ apps we track, sorted so the most loved ones surface first.

Compare top Pal Pay Apps (August 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1PayPal - Pay, Send, SavePayPal - Pay, Send, SaveFree4.8ā˜… (6.3M)YesNoAug 2026
2PALPAY-MahfazatiPALPAY-MahfazatiFree3.3ā˜… (173)NoNoAug 2026
3PayPal BusinessPayPal BusinessFree4.2ā˜… (29K)YesNoAug 2026
4Cash AppCash AppFree4.8ā˜… (8.6M)NoNoAug 2026
5Tap to Pay + Contactless + POSTap to Pay + Contactless + POSFree4.8ā˜… (3.6K)NoNoAug 2026
6Afterpay: Pay over timeAfterpay: Pay over timeFree4.9ā˜… (752K)NoNoAug 2026
7PhonePe UPI, Payment, RechargePhonePe UPI, Payment, RechargeFree4.7ā˜… (169K)NoNoAug 2026
8Sezzle: Buy Now, Pay LaterSezzle: Buy Now, Pay LaterFree4.9ā˜… (298K)NoNoAug 2026

Top Picks for Pal Pay

PayPal - Pay, Send, Save#1

PayPal - Pay, Send, Save by PayPal, Inc.

Debit card, savings, pay later
Editor's Choice
šŸ’° Finance
4.8😐(6.3M ratings)
FreeAds
#3in Finance
PayPal - Pay, Send, Save screenshot 1
PayPal - Pay, Send, Save screenshot 2
PayPal - Pay, Send, Save screenshot 3
PayPal - Pay, Send, Save screenshot 4
PayPal - Pay, Send, Save screenshot 5
PayPal - Pay, Send, Save screenshot 6

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

  • šŸš€ Extremely effective and reliable crypto recovery service
  • šŸ”’ Secure payment processing
  • šŸ’° Convenient way to send and receive money
  • šŸ‘ Easy to use app with simple interface

Room to Improve

  • šŸ› Inconsistent customer support responses
  • šŸ•°ļø Slow money transfer times
  • šŸ’³ Holds on funds for new accounts
PALPAY-Mahfazati#2

PALPAY-Mahfazati by PALPAY

Strong Contender
šŸ’¼ Business
3.3(173 ratings)
Free
PALPAY-Mahfazati screenshot 1
PALPAY-Mahfazati screenshot 2
PALPAY-Mahfazati screenshot 3
PALPAY-Mahfazati screenshot 4
PALPAY-Mahfazati screenshot 5

This mobile wallet enables users to conduct financial transactions without a bank account. Add funds through various methods and access services like peer-to-peer payments, merchant payments, bill payments, and mobile top-ups.

PayPal Business#3

PayPal Business by PayPal, Inc.

Track sales and Send invoices
Worth Considering
šŸ’¼ Business
4.2😐(29K ratings)
FreeAds
PayPal Business screenshot 1
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PayPal Business screenshot 5

Manage your business finances on the go. Create and send invoices, track sales trends, transfer money, and access customer information. This app acts as your mobile business manager, simplifying financial tasks for merchants of all sizes.

What We Love

  • šŸš€ Efficient payment processing
  • šŸ’³ Convenient payment options
  • šŸ“ˆ Useful business insights
  • šŸ”’ Secure transactions

Room to Improve

  • ā±ļø Delayed fund releases
  • šŸ’° High transaction fees
  • šŸ¤– Poor customer service

More Pal Pay apps to explore

4
Cash App
Cash App
Cash App
Money. Debit Card. Bitcoin.
Free

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.

Send & receive money/bitcoin instantlyRound up spare change to saveInvest in stocks, ETFs, and bitcoin
šŸ’° Finance
(8.6M)
free with in-app purchases
5
Tap to Pay + Contactless + POS
Tap to Pay + Contactless + POS
Tap to Pay + Contactless + POS
Credit Card Reader + Processor
Free

Accept credit card payments directly on your iPhone without additional hardware. This app supports major card types and offers secure, bank-grade encryption for seamless in-person transactions. Streamline your business operations with a modern payment solution.

Accept major credit cardsContactless payment processingBank-grade encryption
šŸ’¼ Business
(3.6K)
free with in-app purchases
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
šŸ›ļø Shopping
(752K)
free with in-app purchases
7
PhonePe UPI, Payment, Recharge
PhonePe UPI, Payment, Recharge
PhonePe UPI, Payment, Recharge
FASTag, Credit Card, Gold SIP
Free

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.

BHIM UPI money transfersMobile and DTH rechargesUtility bill payments
šŸ’° Finance
(169K)
free with in-app purchases
8
Sezzle: Buy Now, Pay Later
Sezzle: Buy Now, Pay Later
Sezzle: Buy Now, Pay Later
Pay Over Time & Earn Rewards
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
šŸ›ļø Shopping
(298K)
free with in-app purchases
9
Dayforce Wallet: On-demand Pay
Dayforce Wallet: On-demand Pay
Dayforce Wallet: On-demand Pay
Get paid as you earn.
Free

Access your earned wages before payday with this app. Manage finances, set savings goals, and track spending all in one place. Transfer funds to a debit card for purchases or withdrawals, with no fees for on-demand pay.

Access earned wages on-demandTransfer funds to a debit cardManage earnings and track spending
šŸ’° Finance
(56K)
free
10
alinmapay | Your Daily Wallet
alinmapay | Your Daily Wallet
alinmapay | Your Daily Wallet
Fast Payments & Transfers
Free

A digital wallet for individuals and businesses, allowing easy and secure payments, bill payments, and money transfers locally and internationally. You can also split bills with friends and family, and make purchases using a digital card or QR code.

Register without a bank accountDigital card and QR code paymentsLocal and international money transfers
šŸ’° Finance
(5.4K)
free
11
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
šŸ’° Finance
(39K)
free with in-app purchases
12
Zip - Buy Now, Pay Later
Zip - Buy Now, Pay Later
Zip - Buy Now, Pay Later
Shop Now & Pay Over Time
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
šŸ›ļø Shopping
(853K)
free with in-app purchases
13
Earnifi: Early Pay. Fast Money
Earnifi: Early Pay. Fast Money
Earnifi: Early Pay. Fast Money
Up to $500, Early Wage Access
Free
$0.99 | 100% OFF

Access your earned wages early to cover expenses like rent and bills. This app offers a fast and transparent alternative to high-interest payday loans, with no credit checks or hidden fees.

Access earned wages earlyFast cash advancesInstant pay option
šŸ’° Finance
(2.6K)
free with in-app purchases
14
DailyPay On-Demand Pay
DailyPay On-Demand Pay
DailyPay On-Demand Pay
Your money, when you need it!
Free

Access your earned wages instantly, monitor your credit score, and build savings with automated tools. This app also offers curated deals and cash back on everyday purchases, all while providing 24/7 customer support.

Instant access to earned payReal-time earnings trackingFree credit score monitoring
šŸ’° Finance
(478K)
free with in-app purchases
15
Mobily Pay
Mobily Pay
Mobily Pay
by Etihad Digital Financial Company
Free

A digital wallet licensed by the Saudi Central Bank for daily financial transactions and purchases. It facilitates local and international transfers, bill payments, and SADAD payments with ease.

Visa card integrationWallet to wallet transfersLocal bank transfers (SARIE)
šŸ’° Finance
(3.6K)
free with in-app purchases
16
Tamara | Own your Dream
Tamara | Own your Dream
Tamara | Own your Dream
Pay in up to 24, No late fees
Free

This financial super-app offers flexible payment options, allowing you to shop now and pay later in installments or in full. Enjoy exclusive deals, cashback rewards, and buyer protection for a secure and seamless shopping experience.

Pay in installments or in fullSign up in minutesShop at thousands of partners
šŸ’° Finance
(59K)
free
17
Paga - Send, Pay, and Bank
Paga - Send, Pay, and Bank
Paga - Send, Pay, and Bank
Borderless living
Free

Manage US Dollar and Nigerian Naira accounts from one app. Send, pay, and receive money globally with competitive rates. Get physical and virtual Visa debit cards for seamless transactions.

Open and manage US and Nigerian bank accountsSend, pay, and receive across currenciesPhysical and virtual Visa debit cards
šŸ’° Finance
(1.5K)
free with in-app purchases
18
Pi Pay
Pi Pay
Pi Pay
Cambodia's leading payment app
Free

This app facilitates fast, secure, and convenient payments for online and in-store purchases across Cambodia. It allows users to pay for various goods and services, send money to friends, and manage utility bills. Users can easily add funds to their digital wallet through various methods.

Fast, secure online and in-store paymentsSend and receive moneyOnline top-ups and utility bill payments
šŸ’° Finance
(66)
free
19
NYC Pay or Dispute
NYC Pay or Dispute
NYC Pay or Dispute
Pay or Dispute Parking Tickets
Free

This official New York City app allows users to pay or dispute parking and camera violations. Securely pay tickets via credit card, debit card, or eCheck, and dispute them by uploading evidence directly from your device. Easily search, save, and track your tickets and payment history.

Pay tickets via credit/debit card or eCheckDispute tickets with camera evidence uploadSearch tickets by violation or license plate
šŸ’° Finance
(459K)
free
20
Etsy: Shop from Real People
Etsy: Shop from Real People
Etsy: Shop from Real People
Online Marketplace for Special
Free

Discover unique, handmade, and vintage items from a global marketplace. Find personalized gifts, home decor, fashion, and art. Connect with sellers, track orders, and save on one-of-a-kind finds.

Global marketplace for original itemsPersonalized jewelry and custom home decorVintage treasures and trending style pieces
šŸ›ļø Shopping
(7.2M)
free with in-app purchases

FAQ about Pal Pay

What are the best pal pay apps for iPhone?
PayPal - Pay, Send, Save tops our pal pay apps ranking as of August 2026, with a 4.8-star average from 6.3M App Store ratings, and it's free to download.
Yes — 20 of the top pal pay apps we rank are free to download, including PayPal - Pay, Send, Save and PALPAY-Mahfazati.
PayPal - Pay, Send, Save shows ads and has no in-app purchases, according to its App Store listing as of August 2026.
We track 246+ pal pay apps on the iOS App Store as of August 2026, ranked by rating, recency, and analysis of real user reviews.
The app allows you to shop securely online and in-store, send and receive money with others globally, earn cash back on purchases, and manage savings accounts. It also provides features for cryptocurrency trading and package tracking.
Key features include sending and receiving money in over 120 countries, saving cash back offers that apply automatically at checkout, requesting a PayPal Debit Card for earning rewards, buying and selling cryptocurrencies like Bitcoin, and growing money with high-yield savings accounts.