1. Home
  2. Topics
  3. Pay With Your Phone

Best Pay With Your Phone Apps

214+ iOS apps curated and reviewed

4.6 avg rating
20 free apps
Updated July 2026

Out of 214+ pay with your phone apps 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 Pay With Your Phone Apps (July 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1PayRangePayRangeFree4.7★ (221K)NoNoAug 2026
2PayByPhone ParkingPayByPhone ParkingFree4.8★ (747K)YesNoAug 2026
3Klarna: Smarter everyday moneyKlarna: Smarter everyday moneyFree4.9★ (2.3M)YesNoAug 2026
4rapid! Payrapid! PayFree4.5★ (188K)NoNoAug 2026
5Afterpay: Pay over timeAfterpay: Pay over timeFree4.9★ (752K)NoNoAug 2026
6Sezzle: Buy Now, Pay LaterSezzle: Buy Now, Pay LaterFree4.9★ (296K)NoNoAug 2026
7Passport ParkingPassport ParkingFree4.7★ (97K)NoNoAug 2026
8Rooam: Pay From Your PhoneRooam: Pay From Your PhoneFree4.8★ (3K)NoNoJul 2026

Top Picks for Pay With Your Phone

PayRange#1

PayRange by PayRange Inc.

Editor's Choice
🔧 Utilities
4.7😐(221K ratings)
Free
#39in Utilities
PayRange screenshot 1
PayRange screenshot 2
PayRange screenshot 3
PayRange screenshot 4
PayRange screenshot 5
PayRange screenshot 6

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.

What We Love

  • 🚀 Convenient app for laundry payments
  • 👍 Notifies when laundry is done
  • 💡 Ability to add small amounts to dryers
  • 🤝 Good customer service response

Room to Improve

  • 🐛 App connectivity issues
  • 🕰️ Inaccurate time estimates on machines
  • 💰 Unexpected fees and charges
PayByPhone Parking#2

PayByPhone Parking by PayByPhone Technologies Inc.

The best way to park.
Strong Contender
✈️ Travel
4.8😐(747K ratings)
FreeAds
#27in Travel
PayByPhone Parking screenshot 1
PayByPhone Parking screenshot 2
PayByPhone Parking screenshot 3
PayByPhone Parking screenshot 4
PayByPhone Parking screenshot 5
PayByPhone Parking screenshot 6

Easily pay for parking from your phone, extending sessions remotely and finding nearby spots. Get notifications before your session expires and track your parking history. Supports multiple payment methods for a seamless experience.

What We Love

  • 🚀 Convenient
  • 🚀 Easy to use
  • 🚀 Saves time
  • 🚀 Seamless

Room to Improve

  • 🐛 App glitches and crashes
  • 🐛 Payment issues
  • 🐛 Inaccurate location detection
Klarna: Smarter everyday money#3

Klarna: Smarter everyday money by Klarna Bank AB

Cashback, payments, savings
Worth Considering
💰 Finance
4.9😞(2.3M ratings)
FreeAds
#9in Finance
Klarna: Smarter everyday money screenshot 1
Klarna: Smarter everyday money screenshot 2
Klarna: Smarter everyday money screenshot 3
Klarna: Smarter everyday money screenshot 4
Klarna: Smarter everyday money screenshot 5
Klarna: Smarter everyday money screenshot 6

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

More Pay With Your Phone apps to explore

4
rapid! Pay
rapid! Pay
rapid! Pay
rapid! Access PayCard OnDemand
Free

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.

Activate/replace PayCardView balances and transaction historyTransfer funds between accounts
💰 Finance
(188K)
free
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
🛍️ Shopping
(752K)
free with in-app purchases
6
Sezzle: Buy Now, Pay Later
Sezzle: Buy Now, Pay Later
Sezzle: Buy Now, Pay Later
Pay in 4 & 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
🛍️ Shopping
(296K)
free with in-app purchases
7
Passport Parking
Passport Parking
Passport Parking
Park. Pay. Be on your way. ®
Free

Effortlessly pay for and manage your parking sessions directly from your smartphone. Avoid feeding meters, receive alerts before your session ends, and extend your time remotely. Enjoy a seamless parking experience with no hidden fees and easy expense tracking.

Pay for parking on the goExtend parking sessions remotelyReceive parking session end alerts
✈️ Travel
(97K)
free
8
Rooam: Pay From Your Phone
Rooam: Pay From Your Phone
Rooam: Pay From Your Phone
Restaurants,Bars & Live Events
Free

This app allows you to open, view, and pay your tab at bars and restaurants directly from your phone. Avoid waiting in line and spend more time enjoying your night out with a seamless, contactless payment experience.

Open and pay tabs from your phoneView live order updatesSelect tips with one tap
🍔 Food & Drink
(3K)
free
9
Smartcash PSB
Smartcash PSB
Smartcash PSB
Smartcash
Free

This application facilitates instant money transfers to mobile numbers or bank accounts. It also enables convenient bill payments for utilities, data recharges, and merchant payments via scanning.

Instant money transfersMobile and data rechargeUtility and bill payments
🔧 Utilities
(1.8K)
free
10
myCricket App
myCricket App
myCricket App
Manage & update your account
Free

Easily manage your wireless account from anywhere, anytime. Track payments, data usage, and plan details. Get support and even switch carriers seamlessly.

Account managementPayment processingData usage tracking
🔧 Utilities
(213K)
free
11
Papaya: Securely Pay Any Bill
Papaya: Securely Pay Any Bill
Papaya: Securely Pay Any Bill
Fast & Secure Bill Payments
Free

This app offers a streamlined and secure method for paying all your bills, eliminating the need for multiple logins or mailing checks. It utilizes advanced technology to process payments quickly and efficiently, supporting various payment methods for a wide range of bill types.

Pay any billFast paymentsSecure processing
💰 Finance
(118K)
free
12
Monica - Pay, Send, Bills
Monica - Pay, Send, Bills
Monica - Pay, Send, Bills
Everything Money and Bills
Free

Manage your finances, pay bills, and shop with discounts all in one place. This app offers instant money transfers, secure transactions, and a virtual dollar card for global shopping. Enjoy free bank withdrawals and easy bill payments.

Tag & Scan to PayShop with DiscountsPay Bills with Ease
💰 Finance
(14K)
free
13
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
💰 Finance
(66)
free
14
Xpress Bill Pay
Xpress Bill Pay
Xpress Bill Pay
The trusted way to pay
Free

This app allows users to pay bills quickly and securely through partnerships with local city and billing organizations. It simplifies the payment process by letting you select your provider, look up your account, and set up auto-pay. Receive real-time alerts and pay using various methods.

Quick and secure bill paymentsPartnerships with local billing organizationsAuto-pay functionality
💰 Finance
(26K)
free
15
textPlus: Text Message + Call
textPlus: Text Message + Call
textPlus: Text Message + Call
Now unlimited SMS WiFi Calling
Free

Get a free US phone number for unlimited texting and calling over WiFi or data. Save money on mobile plans by using this app to connect with friends and family globally. Offers inexpensive outbound calls and can turn tablets into phones.

Free US phone numberUnlimited free texting (SMS, MMS, group chat)Free inbound calls
🔧 Utilities
(272K)
free with in-app purchases
16
365Pay
365Pay
365Pay
by 365
Free

Easily purchase products across various workplace experiences using a QR code for touchless checkout. Earn loyalty points, order ahead from the cafeteria, and scan items for payment. Stay informed about new products and promotions.

Touchless QR code checkoutOrder ahead from cafeteriaScan and pay for products
🛍️ Shopping
(9.3K)
free with in-app purchases
17
Ultra Mobile
Ultra Mobile
Ultra Mobile
Manage your mobile account
Free

Manage your wireless account with affordable talk, text, and data plans on the T-Mobile 5G Network. Enjoy unlimited nationwide calling, global texting, and free international calling to over 90 destinations. Access features like free mobile hotspot and no annual contracts.

Affordable talk, text, and data plansT-Mobile 5G Network coverageUnlimited nationwide talk
🔧 Utilities
(13K)
free
18
Zapper™ QR Payments & Rewards
Zapper™ QR Payments & Rewards
Zapper™ QR Payments & Rewards
The rewarding way to pay.
Free

This app offers a fast, easy, and secure way to make payments for various services, from dining out to online shopping and bill settlement. Discover exclusive deals, earn loyalty points, and enjoy insider benefits by joining merchant tribes. It also simplifies splitting bills and provides a history of your transactions.

Fast, easy, and secure paymentsJoin merchant tribes for insider benefitsGet and spend free vouchers
💰 Finance
(3.9K)
free with in-app purchases
19
Deferit: Pay bills in 4
Deferit: Pay bills in 4
Deferit: Pay bills in 4
Buy now pay later for bills
Free

Manage your bills and budget with flexibility. This app allows you to pay almost any service bill in four smaller installments with no interest. It also helps you save money by negotiating better deals with providers and builds your credit history by reporting on-time payments.

Pay bills in 4 installmentsNegotiate lower bill ratesBuild credit history
💰 Finance
(31K)
free with in-app purchases
20
M-PAiSA
M-PAiSA
M-PAiSA
Money goes mobile
Free

Easily send and receive money, pay businesses, and settle bills directly from your mobile device. This application offers a convenient, simple, and elegant way to manage your finances with futuristic features.

Send and receive moneyPay businessesPay bills
💼 Business
(662)
free

FAQ about Pay With Your Phone

What are the best pay with your phone apps for iPhone?
PayRange tops our pay with your phone apps ranking as of July 2026, with a 4.7-star average from 221K App Store ratings, and it's free to download.
Yes — 20 of the top pay with your phone apps we rank are free to download, including PayRange and PayByPhone Parking.
PayRange has no ads and has no in-app purchases, according to its App Store listing as of July 2026.
We track 214+ pay with your phone apps on the iOS App Store as of July 2026, ranked by rating, recency, and analysis of real user reviews.
The PayRange app allows you to pay for services at supported machines directly from your phone. You can use it for vending machines, laundry facilities, arcades, parking, and coffee machines. It simplifies the payment process by eliminating the need for cash or coins.
Using PayRange is simple. Once you are near a supported machine, open the app. Swipe left or right on your phone screen to select the machine you want to use. Then, swipe up on your screen to send the payment to the machine. It's designed to be a quick and secure payment experience.