Best Pay Apps

234+ iOS apps curated and reviewed

4.8 avg rating
20 free apps
Updated May 2026

From beginner-friendly picks to power-user tools, our pay list covers 234+ iPhone apps updated through May 2026. Compare ratings, prices, and screenshots in one place.

Top Picks for Pay

PayPal - Pay, Send, Save#1

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

Savings, cash back, pay later
Editor's Choice
๐Ÿ’ฐ Finance
4.8๐Ÿ˜(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

  • ๐Ÿš€ Extremely effective and reliable crypto recovery service
  • ๐Ÿ”’ Secure payment processing
  • ๐Ÿ’ฐ Convenient way to send and receive money
  • ๐Ÿ‘ Easy to use app with simple interface

Room to Improve

  • ๐Ÿ› Inconsistent customer support responses
  • ๐Ÿ•ฐ๏ธ Slow money transfer times
  • ๐Ÿ’ณ Holds on funds for new accounts
Apple Wallet#2

Apple Wallet by Apple Inc.

Apple Pay, Apple Card and more
Strong Contender
๐Ÿ’ฐ Finance
4.8๐Ÿ˜Š(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

Securely store and manage digital versions of your credit/debit cards, IDs, transit passes, tickets, and keys. Use it to make payments, send money, and access venues and transportation with your iPhone or Apple Watch.

What We Love

  • ๐Ÿš€ Convenient and easy to use
  • ๐Ÿ”’ Secure with Face ID/Touch ID
  • ๐Ÿ’ณ Integrates credit/debit cards well
  • ๐ŸŽŸ๏ธ Stores tickets and passes

Room to Improve

  • ๐Ÿšซ Limited ability to add loyalty/membership cards
  • ๐Ÿค” Inconsistent card detection and adding
  • ๐Ÿ’ฐ Unauthorized charges and payment issues
DailyPay On-Demand Pay#3

DailyPay On-Demand Pay by DAILYPAY INC

Your money, when you need it!
Worth Considering
๐Ÿ’ฐ Finance
4.8๐Ÿ˜ž(463K ratings)
FreeAds
#78in Finance
DailyPay On-Demand Pay screenshot 1
DailyPay On-Demand Pay screenshot 2
DailyPay On-Demand Pay screenshot 3
DailyPay On-Demand Pay screenshot 4
DailyPay On-Demand Pay screenshot 5

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.

What We Love

  • ๐Ÿš€ Convenient access to paycheck
  • ๐Ÿ’ก Helpful for emergencies and budgeting
  • ๐Ÿ‘ Decent customer service in some cases

Room to Improve

  • ๐Ÿ› Inconsistent balance updates
  • ๐Ÿ’ฐ Excessive fees for instant transfers
  • ๐Ÿ”’ Concerns about account security and access

More Pay apps to explore

4
Cash App
Cash App
Cash App
P2P. BTC. Debit Card. Wallet.
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
๐Ÿ’ฐ Finance
(8.5M)
free with in-app purchases
5
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
๐Ÿ›๏ธ Shopping
(752K)
free with in-app purchases
6
PayRange
PayRange
PayRange
by PayRange Inc.
Free

Pay for services at supported machines using your phone. Simply swipe on your screen to select a machine and authorize payment, eliminating the need for cash or coins. Enjoy a quick, secure, and convenient way to pay for vending, laundry, and more.

Pay with phone swipeSupports vending machinesSupports laundry machines
๐Ÿ”ง Utilities
(221K)
free with in-app purchases
7
Venmo
Venmo
Venmo
Send Money, Split Expenses
Free

A fast, safe, and social way to send and receive money with friends and family. Easily split bills, buy crypto, and manage your finances with integrated debit and credit cards.

Send and receive moneySplit payments among friendsBuy, hold, and sell cryptocurrency
๐Ÿ’ฐ Finance
(15M)
free with in-app purchases
8
Payactiv
Payactiv
Payactiv
On-demand pay and beyond
Free

Access your earned wages before payday, pay bills on time, and manage unexpected expenses with user-friendly digital tools. This app helps you achieve financial stability and reach your financial wellness goals without predatory loans or interest.

Early access to wagesGovernment payment early accessSpending and saving tools
๐Ÿ’ฐ Finance
(78K)
free
9
OnePay โ€“ Mobile Banking
OnePay โ€“ Mobile Banking
OnePay โ€“ Mobile Banking
Bank. Borrow. Build Credit.
Free

Manage your finances with a mobile banking solution offering early pay, rewards, and high-yield savings. Access a cash rewards credit card, affordable wireless plans, and a credit builder loan. Buy now, pay later options are also available.

Early pay and rewardsHigh-yield savings accountsCash back credit card
๐Ÿ’ฐ Finance
(368K)
free with in-app purchases
10
Affirm: Buy now, pay over time
Affirm: Buy now, pay over time
Affirm: Buy now, pay over time
Flexible payments, big savings
Free

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.

Pay over time online and in-storeFlexible payment optionsDiscover 0% APR deals
๐Ÿ›๏ธ Shopping
(1.7M)
free with in-app purchases
11
Klarna: Smarter everyday money
Klarna: Smarter everyday money
Klarna: Smarter everyday money
Shop anywhere, manage & save
Free

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.

Flexible payment optionsInterest-free installmentsUp to 10% cashback
๐Ÿ’ฐ Finance
(2.3M)
free with in-app purchases
12
EarnIn: Beyond Cash Advance
EarnIn: Beyond Cash Advance
EarnIn: Beyond Cash Advance
Get Paid Fast, Early Payday
Free

Access funds you've already earned before payday with this app. It offers same-day pay, overdraft protection, credit monitoring, and savings tools. Get up to $150 daily with optional expedited transfers for a small fee.

Access up to $150 per dayGet paycheck up to 2 days earlyOverdraft alerts and custom transfers
๐Ÿ’ฐ Finance
(435K)
free with in-app purchases
13
Sezzle: Buy Now, Pay Later
Sezzle: Buy Now, Pay Later
Sezzle: Buy Now, Pay Later
Shop & Pay in 4ยน
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
๐Ÿ›๏ธ Shopping
(292K)
free with in-app purchases
14
Zip - Buy Now, Pay Later
Zip - Buy Now, Pay Later
Zip - Buy Now, Pay Later
Shop & Pay in 4ยน
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
๐Ÿ›๏ธ Shopping
(831K)
free with in-app purchases
15
Shop: All your favorite brands
Shop: All your favorite brands
Shop: All your favorite brands
Shopping app & package tracker
Free

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.

Shop favorite brands and local storesPrice drop and restock alertsSave and organize items into collections
๐Ÿ›๏ธ Shopping
(7M)
ad-supported
16
Rain Instant Pay
Rain Instant Pay
Rain Instant Pay
Unlock your employer benefits!
Free

Access your earned wages and employer benefits instantly, anytime. Track your earnings, gain financial insights, and utilize a full suite of financial tools. Manage your money on your terms with secure, on-demand access.

Instant access to earned wagesTrack earnings in real-timeFinancial coaching and education
๐Ÿ’ผ Business
(40K)
free
17
Four | Buy Now, Pay Later
Four | Buy Now, Pay Later
Four | Buy Now, Pay Later
Flexible Shopping & Payments
Free

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.

Split purchases into 4 paymentsPay every two weeksManage orders in one app
๐Ÿ›๏ธ Shopping
(109K)
freemium
18
Tamara | Shop Now Pay Later
Tamara | Shop Now Pay Later
Tamara | Shop Now Pay Later
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
๐Ÿ’ฐ Finance
(59K)
free
19
Square Point of Sale (POS)
Square Point of Sale (POS)
Square Point of Sale (POS)
Payments & Business Dashboard
Free

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.

Accept all major payment typesIndustry-specific business modesInventory management
๐Ÿ’ผ Business
(602K)
free with in-app purchases
20
Dave: Credit, Cash & Money App
Dave: Credit, Cash & Money App
Dave: Credit, Cash & Money App
Better Than A Cash Advance
Free

Access up to $500 in minutes without a credit check or interest. Get paid up to two days early, avoid pesky fees, and save effortlessly with dedicated savings accounts. This app offers financial management tools to help you reach your goals.

Up to $500 cash advanceNo credit check or interest on advancesGet paid up to 2 days early
๐Ÿ’ฐ Finance
(854K)
freemium

Related searches