Best Payment App Monthly

219+ iOS apps curated and reviewed

4.7 avg rating
20 free apps
Updated July 2026

From beginner-friendly picks to power-user tools, our payment app monthly list covers 219+ iPhone apps updated through July 2026. Compare ratings, prices, and screenshots in one place.

Compare top Payment App Monthly (July 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1ShinePayShinePayFree4.6★ (13K)NoNoAug 2026
2Afterpay: Pay over timeAfterpay: Pay over timeFree4.9★ (752K)NoNoAug 2026
3BILL AP & AR Business PaymentsBILL AP & AR Business PaymentsFree4.9★ (49K)NoNoAug 2026
4BHIM Bharat's Own Payments AppBHIM Bharat's Own Payments AppFree4.4★ (1.4K)NoNoJul 2026
5PayPal - Pay, Send, SavePayPal - Pay, Send, SaveFree4.8★ (6.3M)YesNoAug 2026
6JIM: Tap to Pay & Payment LinkJIM: Tap to Pay & Payment LinkFree4.7★ (11K)YesNoAug 2026
7Spendr AppSpendr AppFree4.9★ (883)NoNoAug 2026
8Cheddar UpCheddar UpFree4.8★ (3.6K)NoNoJul 2026

Top Picks for Payment App Monthly

ShinePay#1

ShinePay by THE HARVEST COLLECTIVE LLC

Coin-Op Laundry Payment App
Editor's Choice
💰 Finance
4.6😞(13K ratings)
Free
ShinePay screenshot 1
ShinePay screenshot 2
ShinePay screenshot 3

Easily pay for laundry, EV charging, and other appliances directly from your smartphone. This app simplifies the process of using shared amenities, offering a convenient and modern payment solution.

What We Love

  • 🚀 Convenient and easy to use
  • 🔒 Secure payment method
  • 👍 Eliminates need for quarters
  • 💡 Allows pre-loading of funds

Room to Improve

  • 💰 Excessive fees and charges
  • 🐛 Unreliable and buggy app
  • 🔒 Lack of refund options
Afterpay: Pay over time#2

Afterpay: Pay over time by Afterpay

Shop Now. Split your payments.
Strong Contender
🛍️ Shopping
4.9😐(752K ratings)
Free
#29in Shopping
Afterpay: Pay over time screenshot 1
Afterpay: Pay over time screenshot 2
Afterpay: Pay over time screenshot 3
Afterpay: Pay over time screenshot 4
Afterpay: Pay over time screenshot 5
Afterpay: Pay over time screenshot 6

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.

What We Love

  • 🚀 Convenient payment plan
  • 💳 No interest or hidden fees
  • 🤝 Good customer service (initially)
  • 📈 Increasing credit limit with usage

Room to Improve

  • 🐛 App/website technical issues
  • 🔒 Security and privacy concerns
  • 🤖 Lack of human customer support
BILL AP & AR Business Payments#3

BILL AP & AR Business Payments by Bill.com, Inc.

Pay bills and get paid online
Worth Considering
💼 Business
4.9😞(49K ratings)
Free
BILL AP & AR Business Payments screenshot 1
BILL AP & AR Business Payments screenshot 2
BILL AP & AR Business Payments screenshot 3
BILL AP & AR Business Payments screenshot 4

This app streamlines business payments and receivables, automating accounts payable and receivable processes. It offers flexible payment options and real-time tracking, saving time and improving cash flow.

What We Love

  • 🚀 Efficient bill payment
  • 👍 User-friendly interface
  • 🚀 Convenient for on-the-go approvals
  • 👍 Helpful for tracking payments

Room to Improve

  • 🐛 Login issues, especially for non-US users
  • 🕰️ Slow payment processing times
  • 🤖 Poor customer service and lack of phone support

More Payment App Monthly apps to explore

4
BHIM Bharat's Own Payments App
BHIM Bharat's Own Payments App
BHIM Bharat's Own Payments App
Bharat Interface for Money
Free

This UPI payment app simplifies digital transactions for all Indians with an intuitive interface and advanced security. It offers features like expense tracking, bill payments, and the ability to manage family payments.

Intuitive UIFamily payment managementExpense monitoring
💰 Finance
(1.4K)
free
5
PayPal - Pay, Send, Save
PayPal - Pay, Send, Save
PayPal - Pay, Send, Save
Savings, cash back, pay later
Free

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.

Send and receive money globallyEarn cash back offersRequest a debit card
💰 Finance
(6.3M)
free with in-app purchases
6
JIM: Tap to Pay & Payment Link
JIM: Tap to Pay & Payment Link
JIM: Tap to Pay & Payment Link
Sell & Get Paid Now
Free

Accept contactless payments directly on your iPhone without extra hardware. Get paid instantly and access funds immediately with a prepaid card. Utilize AI-driven insights to grow your business.

Accept contactless paymentsInstant fund accessSpend with JIM Visa® Prepaid card
💰 Finance
(11K)
free with in-app purchases
7
Spendr App
Spendr App
Spendr App
Mobile Payments & Rewards
Free

This app simplifies payments and rewards by allowing users to make contactless payments and earn rewards on purchases. It also features a store locator and a digital document holder for convenience.

Contactless mobile paymentsEarn rewards on purchasesQR code payment scanning
💰 Finance
(883)
free
8
Cheddar Up
Cheddar Up
Cheddar Up
Group Payments and Fundraising
Free

Easily collect money for group events, team fees, or fundraisers without paper forms. Create collections in seconds and share them via text or link. Contributors can pay without needing an account.

Instant collection setupCustomizable formsMultiple payment options
📊 Productivity
(3.6K)
free
9
Kuda - Free transfer & payment
Kuda - Free transfer & payment
Kuda - Free transfer & payment
Pay, save & invest money
Free

Manage your finances with a digital bank account. Easily make payments, save money with automated features, and invest in stocks. Enjoy free transfers and premium rewards.

Free bank account openingFree money transfersAutomated savings
💰 Finance
(133K)
freemium
10
Bills Organizer & Reminder
Bills Organizer & Reminder
Bills Organizer & Reminder
Bill Manager and Bill Monitor
Free

Manage all your bills in one place to avoid late fees and penalties. Track upcoming payments with customizable reminders and view your financial overview through charts and calendars. Securely access your data and easily mark bills as paid.

Bill tracking and managementCustomizable payment remindersRecurring and one-time bill setup
💰 Finance
(22K)
free with in-app purchases
11
Car & Auto Payment Calculator
Car & Auto Payment Calculator
Car & Auto Payment Calculator
Auto Lease & Loan Calc Tracker
Free

Estimate monthly payments and total interest for auto leases and loans. This tool helps you understand financing details before meeting with a dealer, offering features like trade-in calculations, scenario saving, and export options. It also includes tools for depreciation, fuel costs, and distance tracking.

Lease payment calculatorLoan payment calculatorTrade-in and fees calculation
💰 Finance
(2.2K)
free with in-app purchases
12
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
13
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
14
Monthly: Budget Planner
Monthly: Budget Planner
Monthly: Budget Planner
Subscriptions, Rent & Payments
Free

This app helps you understand your real monthly budget by automatically accounting for fixed costs like rent and subscriptions. It provides clear statistics and payment reminders to help you manage your finances without manual entry.

Automatic fixed cost calculationIncome and expense trackingPayment reminders
💰 Finance
(4)
free
15
Acima: Lease Now & Buy Later
Acima: Lease Now & Buy Later
Acima: Lease Now & Buy Later
Easy Leasing & Payment Options
Free

Lease the items you need without perfect credit. Get approved for up to $4,000 in merchandise like furniture, electronics, and appliances. Shop at thousands of stores or online and make easy payments.

Lease without perfect creditApproved for up to $4,000Shop at thousands of stores
🛍️ Shopping
(25K)
free
16
PayTrace Go
PayTrace Go
PayTrace Go
Mobile Payment Processing
Free

Process credit card payments on the go with this mobile solution. Capture signatures, send email receipts, manage customer information, and review transaction history directly from your device.

Credit card processingSignature captureEmail receipts
💼 Business
(744)
free
17
Tabby: Send, spend and save
Tabby: Send, spend and save
Tabby: Send, spend and save
Take power over money
Free

Shop now and pay later with flexible four-month installments. Discover top brands, compare prices, and find nearby stores. Manage payments, track purchases, and get 24/7 customer support.

Split purchases into 4 monthly paymentsShop from top brands online and in-storeCompare prices and track deals
💰 Finance
(84K)
free
18
Wasl App
Wasl App
Wasl App
Pay Bills,Game Vouchers & More
Free

This app simplifies financial management by allowing users to pay bills, track subscriptions, and purchase gift cards. It also offers insurance services and provides insights into spending habits for smarter financial decisions.

Pay bills in secondsTrack subscriptions and set remindersBuy car, travel, and boat insurance
🛍️ Shopping
(316)
free
19
Tendy: The Pay-Anyone App
Tendy: The Pay-Anyone App
Tendy: The Pay-Anyone App
Pay easily. Cash out anywhere.
Free

Easily send money to anyone, regardless of their preferred payment app. Recipients can instantly cash out to Venmo, PayPal, Cash App, or Zelle without needing to download anything. It's a fast, private, and flexible way to pay friends, tip service workers, or settle debts.

Send money to any app userInstant cash out to Venmo, PayPal, Cash App, ZelleNo app download required for recipients
💰 Finance
(52)
free
20
Weekly: Budget Planner & Bills
Weekly: Budget Planner & Bills
Weekly: Budget Planner & Bills
Spending & Money Goal Tracker
Free

This app helps you plan your weekly budget, track your spending, and save for financial goals. It connects to your bank accounts to monitor transactions, categorizes your expenses, and provides insights into your spending habits. It also helps you manage upcoming bills and view account balances in one place.

Guided budget setupWeekly spending limit calculationBank transaction download
💰 Finance
(3.7K)
free with in-app purchases

FAQ about Payment App Monthly

What is the best payment app monthly for iPhone?
ShinePay tops our payment app monthly ranking as of July 2026, with a 4.6-star average from 13K App Store ratings, and it's free to download.
Yes — 20 of the top payment app monthly we rank are free to download, including ShinePay and Afterpay: Pay over time.
ShinePay has no ads and has no in-app purchases, according to its App Store listing as of July 2026.
We track 219+ payment app monthly on the iOS App Store as of July 2026, ranked by rating, recency, and analysis of real user reviews.
ShinePay is a mobile application designed to facilitate payments for various appliances, including coin-operated laundry machines and electric vehicle (EV) chargers. It allows users to conveniently pay for these services directly from their smartphone.
The primary features of ShinePay include the ability to pay for laundry machines, EV chargers, and other appliances using the app. It offers a streamlined and modern approach to using these shared amenities.