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Best Pay With Your Phone Apps

215+ iOS apps curated and reviewed

4.8 avg rating
20 free apps
Updated May 2026

Out of 215+ 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 (May 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1PayRangePayRangeFree4.7★ (221K)YesNoJul 2026
2PayByPhone ParkingPayByPhone ParkingFree4.8★ (743K)YesNoJul 2026
3Klarna: Smarter everyday moneyKlarna: Smarter everyday moneyFree4.9★ (2.3M)YesNoJul 2026
4rapid! Payrapid! PayFree4.5★ (185K)NoNoJul 2026
5Afterpay: Pay over timeAfterpay: Pay over timeFree4.9★ (752K)YesNoJul 2026
6Passport ParkingPassport ParkingFree4.7★ (97K)NoNoJul 2026
7Google MeetGoogle MeetFree4.8★ (2.3M)NoNoJul 2026
8Beside (M1): AI ReceptionistBeside (M1): AI ReceptionistFree4.8★ (8.9K)YesYesJul 2026

Top Picks for Pay With Your Phone

PayRange#1

PayRange by PayRange Inc.

Editor's Choice
🔧 Utilities
4.7😐(221K ratings)
FreeAds
#31in 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😐(743K ratings)
FreeAds
#26in Travel
PayByPhone Parking screenshot 1
PayByPhone Parking screenshot 2
PayByPhone Parking screenshot 3
PayByPhone Parking screenshot 4
PayByPhone Parking screenshot 5

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
#11in 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
(185K)
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
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
7
Google Meet
Google Meet
Google Meet
Video calling and meetings
Free

Connect with friends, family, and colleagues through high-quality video calls and meetings. Schedule calls, send video messages, or join spontaneous conversations. Enhance interactions with features like real-time captions, in-call chat, and engaging effects.

High-quality video callsScheduled meetingsVideo messages
🌐 Social Networking
(2.3M)
freemium
8
Beside (M1): AI Receptionist
Beside (M1): AI Receptionist
Beside (M1): AI Receptionist
From missed call to booked job
Free

This app provides a dedicated business phone number, transcribes calls and voicemails, and automatically suggests next steps. It helps reduce administrative tasks, improve focus, and ensures no important conversations are missed. Ideal for professionals managing a high volume of calls.

Dedicated business phone numberAutomatic call transcriptionAI-powered call summarization
📊 Productivity
(8.9K)
free with in-app purchases
9
Tap to Pay & Stripe Payments
Tap to Pay & Stripe Payments
Tap to Pay & Stripe Payments
Soft POS,Payments,Subscription
Free

Transform your iPhone into a professional payment terminal. Accept cards, Apple Pay, and digital wallets instantly with low transaction fees. Streamline your business operations with features like product libraries, smart tipping, and subscription management.

Accept contactless payments on iPhoneSupport for Bluetooth card readersProduct library for quick checkout
💼 Business
(48)
paid
10
Sezzle: Buy Now, Pay Later
Sezzle: Buy Now, Pay Later
Sezzle: Buy Now, Pay Later
Shop & Pay in 4¹
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
(292K)
free with in-app purchases
11
Mobily Pay
Mobily Pay
Mobily Pay
by UNION 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)
💰 Finance
(3.5K)
free with in-app purchases
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
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
14
Deferit: Pay bills in 4
Deferit: Pay bills in 4
Deferit: Pay bills in 4
Save & build credit history
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
(30K)
free with in-app purchases
15
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
16
Play24
Play24
Play24
Manage your account
Free

Manage all your mobile and home services from one app. Pay bills, check usage, and access exclusive offers. Easily control Wi-Fi settings, activate eSIMs, and get support.

Manage all services in one placeControl home internet settingsActivate eSIM
🔧 Utilities
(4.5K)
free with in-app purchases
17
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
(25K)
free
18
DivDat Mobile Payments App
DivDat Mobile Payments App
DivDat Mobile Payments App
by DivDat
Free

Pay local bills conveniently from your phone. Add municipalities, utilities, and more to a single platform. Supports credit card, debit card, check, and cash payments via kiosks.

Add local billersMultiple payment methodsPayment reminders
💰 Finance
(4.1K)
free
19
365Pay
365Pay
365Pay
by 365 Retail Markets, LLC
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
(8.8K)
free with in-app purchases
20
urpay
urpay
urpay
by GLOBAL FINANCIAL DIGITAL SOLUTIONS COMPANY
Free

A smart digital wallet for managing finances. Easily top up, send money globally, pay bills, and issue cards. Offers features like payment splitting, family wallets, and instant finance.

Digital walletGlobal money transferBill payments
💰 Finance
(11K)
free with in-app purchases

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 May 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 shows ads and has no in-app purchases, according to its App Store listing as of May 2026.
We track 215+ pay with your phone apps on the iOS App Store as of May 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.