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Best Pay To Chat Apps

177+ iOS apps curated and reviewed

4.5 avg rating
20 free apps
Updated July 2026

Finding the right pay to chat apps can be overwhelming with so many options. We've analyzed 177+ apps to bring you the best choices for 2026, from free options to premium solutions with advanced features.

Compare top Pay To Chat Apps (July 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1PayPal - Pay, Send, SavePayPal - Pay, Send, SaveFree4.8★ (6.3M)YesNoJul 2026
2ChatSpace - Chat, Talk & FunChatSpace - Chat, Talk & FunFree4.6★ (2.8K)YesYesJul 2026
3Cash AppCash AppFree4.8★ (8.5M)YesNoJul 2026
4MeetMe: Go Live & Meet PeopleMeetMe: Go Live & Meet PeopleFree4.3★ (374K)YesYesJul 2026
5Tikr.is - Paid Video ChatTikr.is - Paid Video ChatFree—YesNoMay 2026
6Discord - Talk, Play, Hang OutDiscord - Talk, Play, Hang OutFree4.7★ (3.5M)YesYesJul 2026
7Tamara | Shop Now Pay LaterTamara | Shop Now Pay LaterFree4.7★ (59K)NoNoJul 2026
8TeasyChat: Make New Chat RoomTeasyChat: Make New Chat RoomFree4.7★ (7K)NoYesJul 2026

Top Picks for Pay To Chat

PayPal - Pay, Send, Save#1

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

Savings, cash back, pay later
Editor's Choice
💰 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

  • 🚀 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
ChatSpace - Chat, Talk & Fun#2

ChatSpace - Chat, Talk & Fun by Coshi B.V.

Make New Friends nearby
Strong Contender
🌐 Social Networking
4.6😞(2.8K ratings)
FreeAdsIn-App Purchases
#92in Social Networking
ChatSpace - Chat, Talk & Fun screenshot 1
ChatSpace - Chat, Talk & Fun screenshot 2
ChatSpace - Chat, Talk & Fun screenshot 3
ChatSpace - Chat, Talk & Fun screenshot 4

Connect with like-minded individuals and make new friends through a social messaging app. Share your thoughts, passions, and experiences in a secure and private environment. Enhance your interactions with features like image sharing and real-time conversations.

What We Love

  • 👍 Chatting with cute girls
  • 🚀 Absolute love for the app

Room to Improve

  • 💰 Expensive to use, need to buy coins
  • 🤖 Fake profiles and bots
  • 🚫 Can't talk without paying
Cash App#3

Cash App by Block, Inc.

Money. Debit Card. Bitcoin.
Worth Considering
💰 Finance
4.8😞(8.5M ratings)
Free
#4in Finance
Cash App screenshot 1
Cash App screenshot 2
Cash App screenshot 3
Cash App screenshot 4
Cash App screenshot 5
Cash App screenshot 6

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.

What We Love

  • 💳 Easy money transferring
  • 🚀 Convenient and user-friendly app
  • 🤑 Referral bonuses and discounts
  • 🤑 Free tax filing

Room to Improve

  • 🔒 Security issues and account hacking
  • 🤖 Poor customer service and lack of live support
  • 💰 Unexpected fees and charges

More Pay To Chat apps to explore

4
MeetMe: Go Live & Meet People
MeetMe: Go Live & Meet People
MeetMe: Go Live & Meet People
Watch Streams & Video Chat
Free

Discover and connect with new people nearby who share your interests for friendly chats and making friends. This platform is for everyone, offering a fun and free way to expand your social circle and meet diverse individuals.

Find new people nearbyChat with shared interestsLive streaming
🌐 Social Networking
(374K)
free with in-app purchases
5
Tikr.is - Paid Video Chat
Tikr.is - Paid Video Chat
Tikr.is - Paid Video Chat
Earn money from your followers
Free

Connect with followers through paid video calls and earn money. Hosts set their rates and availability, while guests can initiate chats or book sessions. It's a platform for creators to monetize their audience.

Create profiles with video descriptionsSet per-minute video chat ratesShare profile links on social media
🌐 Social Networking
(0)
ad-supported
6
Discord - Talk, Play, Hang Out
Discord - Talk, Play, Hang Out
Discord - Talk, Play, Hang Out
Group Chat That’s Fun & Games
Free

Connect with friends and communities through voice, video, and text. Customize your chat experience with unique emojis and sound effects. Seamlessly join conversations and share activities like watching videos or playing games, all from your PC, phone, or console.

Group voice, video, and text chatCustomizable chat with emojis and soundboardsHigh-quality, low-latency streaming
🌐 Social Networking
(3.5M)
free with in-app purchases
7
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
💰 Finance
(59K)
free
8
TeasyChat: Make New Chat Room
TeasyChat: Make New Chat Room
TeasyChat: Make New Chat Room
Open a new chat
Free

Discover a vibrant space for authentic communication and meaningful connections. This app helps you find new online companions, share impressions, and enjoy conversations in a secure environment. Express yourself, find emotional resonance, and make new friends.

Smart profile selectionComfort and safety monitoringCustomizable user profiles
🌐 Social Networking
(7K)
free with in-app purchases
9
Paltalk: Live Chat Rooms
Paltalk: Live Chat Rooms
Paltalk: Live Chat Rooms
Talk with Friends Worldwide
Free

Connect with people worldwide in live, topic-based chat rooms. Engage in group video, voice, or text conversations on shared interests. Create your own rooms and participate in a safe, moderated community.

Live topic-based chat roomsGroup video, voice, and text chatThousands of active rooms
🌐 Social Networking
(15K)
free with in-app purchases
10
WeChat
WeChat
WeChat
Calls, chats, and more
Free

Connect with friends and family through messaging, voice, and video calls. Discover news, local services, and games within the app. Features mobile payment and health tracking capabilities.

Text, photo, voice, and video messagingGroup chats up to 500 membersHigh-quality voice and video calls
🌐 Social Networking
(80K)
free with in-app purchases
11
ChatGPT
ChatGPT
ChatGPT
The official app by OpenAI
Free

This app provides access to advanced AI capabilities, including text generation, image creation from descriptions, and voice conversations. It offers personalized advice, creative inspiration, and instant answers for various tasks, syncing history across devices.

Image generation from textAdvanced voice conversationsPhoto upload and transcription
📊 Productivity
(8.7M)
free with in-app purchases
12
Snapchat
Snapchat
Snapchat
Share the moment!
Free

Instantly share photos and videos with friends and family. Express yourself with creative tools, connect through live messaging and video calls, and discover content from the community. Save your favorite moments and explore shared memories.

Camera with Lenses and FiltersLive Messaging and Video ChatFriend and Group Stories
📷 Photo & Video
(5.9M)
free with in-app purchases
13
SayHi Chat - Meet New People
SayHi Chat - Meet New People
SayHi Chat - Meet New People
Find nearby friends!
Free

Discover and connect with new people in your vicinity. Engage through video calls, text messages, voice notes, and shared pictures. Personalize your experience with customizable skins and fun plugins.

Find people nearby with mapFree video chatText messages and voice messages
🌐 Social Networking
(6.3K)
free with in-app purchases
14
Signal - Private Messenger
Signal - Private Messenger
Signal - Private Messenger
Wir leben Datenschutz.
Free

This messaging app prioritizes your privacy with strong end-to-end encryption for all communications. It offers free text, voice, and video messaging, including group chats and disappearing stories, all without collecting your data.

End-to-end encrypted messagingFree voice and video callsGroup chats up to 1000 people
🌐 Social Networking
(1.1M)
free with in-app purchases
15
Replika - AI Companion Chat
Replika - AI Companion Chat
Replika - AI Companion Chat
Chat, talk with Robot Chatbot
Free

This AI companion is available 24/7 via text, voice, and video to discuss anything on your mind. It learns your preferences and goals, offering proactive suggestions to help you move forward in life. Explore the internet, generate images, and customize your AI's appearance.

24/7 AI companionText, voice, and video callsProactive suggestions for personal growth
💪 Health & Fitness
(228K)
free with in-app purchases
16
Moco - Chat, Meet People
Moco - Chat, Meet People
Moco - Chat, Meet People
Chat, flirt & meet new people
Free

Connect with millions globally or locally for chat, friendship, and romance. Explore diverse chat rooms, play games, and discover live streams. Customize your interactions with fun stickers and themes.

Live streaming with earning potentialHundreds of chat rooms and forumsPrivate and group chats
🌟 Lifestyle
(24K)
free with in-app purchases
17
Gaze: Live Video Chat App
Gaze: Live Video Chat App
Gaze: Live Video Chat App
Make New Friends, Meet & Call
Free

Connect with people globally through live video chats and text messaging. This platform fosters a welcoming environment to make new friends and share your unique personality. Enjoy real-time conversations and stay in touch with your connections.

Live video chatText messagingMeet new friends
🌐 Social Networking
(21K)
free with in-app purchases
18
Telegram Messenger
Telegram Messenger
Telegram Messenger
Fast. Secure. Powerful.
Free

A fast, secure, and powerful instant messaging app synced across all devices. It offers unlimited media and file sharing, robust encryption, and extensive group chat capabilities. Enjoy a simple, private, and customizable communication experience.

Cross-device synchronizationUnlimited file and media sharingEnd-to-end encrypted secret chats
🌐 Social Networking
(275K)
free with in-app purchases
19
Marco Polo - Video Messenger
Marco Polo - Video Messenger
Marco Polo - Video Messenger
Helping you feel close
Free

Connect face-to-face with loved ones through private, ad-free video messages. This app allows for asynchronous conversations, letting you send and receive video messages on your own schedule, fostering deeper connections without social media pressures.

Asynchronous video messagingPrivate, ad-free communicationOne-on-one and group chats
🌐 Social Networking
(2.2M)
freemium
20
Fachat: Chat & Community
Fachat: Chat & Community
Fachat: Chat & Community
Chat with friends worldwide
Free

Connect with people globally through voice and video. Discover new friends via audio clips and personalized recommendations. Enjoy seamless messaging, voice calls, and video chats with enhanced safety features.

Voice profiles and discoveryPersonalized match feedText, voice, and video chat
🌐 Social Networking
(1.9K)
free with in-app purchases

FAQ about Pay To Chat

What are the best pay to chat apps for iPhone?
PayPal - Pay, Send, Save tops our pay to chat apps ranking as of July 2026, with a 4.8-star average from 6.3M App Store ratings, and it's free to download.
Yes — 20 of the top pay to chat apps we rank are free to download, including PayPal - Pay, Send, Save and ChatSpace - Chat, Talk & Fun.
PayPal - Pay, Send, Save shows ads and has no in-app purchases, according to its App Store listing as of July 2026.
We track 177+ pay to chat apps on the iOS App Store as of July 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.