Best Peer To Peer Payments Apps

218+ iOS apps curated and reviewed

4.2 avg rating
20 free apps
Updated July 2026

Whether you're new to peer to peer payments or looking for an upgrade, our curated collection of 218+ iOS apps has something for everyone. Each app is reviewed and rated by real users, helping you make an informed decision.

Compare top Peer To Peer Payments Apps (July 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Jim: sell & get paid instantlyJim: sell & get paid instantlyFree4.7★ (11K)YesNoAug 2026
2BE$TOW: Private P2P PaymentsBE$TOW: Private P2P PaymentsFree4.0★ (16)NoNoMay 2026
3Visa PayVisa PayFree2.3★ (102)YesNoAug 2026
4Zip - Buy Now, Pay LaterZip - Buy Now, Pay LaterFree4.9★ (853K)NoNoAug 2026
5Cherry: The Smarter Way to PayCherry: The Smarter Way to PayFree4.9★ (297)NoNoAug 2026
6Klover - Instant Cash AdvanceKlover - Instant Cash AdvanceFree4.8★ (370K)YesNoAug 2026
7RedotPay: Crypto Card & PayRedotPay: Crypto Card & PayFree4.8★ (3.9K)YesNoAug 2026
8Zapper™ QR Payments & RewardsZapper™ QR Payments & RewardsFree4.8★ (3.9K)YesNoAug 2026

Top Picks for Peer To Peer Payments

Jim: sell & get paid instantly#1

Jim: sell & get paid instantly by CloudWalk, Inc.

Tap to Pay & Payment Links
Editor's Choice
💰 Finance
4.7😞(11K ratings)
FreeAds
Jim: sell & get paid instantly screenshot 1
Jim: sell & get paid instantly screenshot 2
Jim: sell & get paid instantly screenshot 3
Jim: sell & get paid instantly screenshot 4
Jim: sell & get paid instantly screenshot 5
Jim: sell & get paid instantly screenshot 6

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.

What We Love

  • 🦄 Unicorn features
  • 💳 Seamless Apple Pay integration
  • 💸 Great rates for freelancing

Room to Improve

  • 🚫 Terminated accounts without reason
  • 🤖 Limited functionality beyond talking to a robot
  • 💰 No way to withdraw funds after payment
BE$TOW: Private P2P Payments#2

BE$TOW: Private P2P Payments by HORUS FOSTER INC

TAP & GO to PAY & SHARE
Strong Contender
💰 Finance
4.0(16 ratings)
Free
BE$TOW: Private P2P Payments screenshot 1
BE$TOW: Private P2P Payments screenshot 2
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BE$TOW: Private P2P Payments screenshot 5
BE$TOW: Private P2P Payments screenshot 6

Facilitate private peer-to-peer payments and information sharing with a simple tap. This patented technology allows for anonymous transactions and instant digital content exchange without needing recipient details or QR codes.

Visa Pay#3

Visa Pay by Visa

Fast & secure payments!
Worth Considering
💰 Finance
2.3(102 ratings)
FreeAds
Visa Pay screenshot 1
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Visa Pay screenshot 6

A mobile payment solution enabling consumers and micro businesses to access digital payments. Users can create a wallet account, receive a digital card for online and offline transactions, and send money to any enrolled mobile number.

More Peer To Peer Payments apps to explore

4
Zip - Buy Now, Pay Later
Zip - Buy Now, Pay Later
Zip - Buy Now, Pay Later
Shop Now & Pay Over Time
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
🛍️ Shopping
(853K)
free with in-app purchases
5
Cherry: The Smarter Way to Pay
Cherry: The Smarter Way to Pay
Cherry: The Smarter Way to Pay
Make payments and manage plans
Free

Manage multiple payment plans easily and make payments in seconds. Track your progress and plan for the future with no surprises. Access health and wellness services through manageable payment plans.

Manage multiple payment plansMake payments in secondsTrack payment progress
💰 Finance
(297)
free
6
Klover - Instant Cash Advance
Klover - Instant Cash Advance
Klover - Instant Cash Advance
Up to $750 Before Payday
Free

Access cash advances up to $750 before your next payday without credit checks, late fees, or interest. Earn points for surveys and ads to increase your advance amount. Utilize budgeting tools and track your credit score.

Cash advances up to $750No credit checks, late fees, or interestEarn points for surveys and ads
💰 Finance
(370K)
free with in-app purchases
7
RedotPay: Crypto Card & Pay
RedotPay: Crypto Card & Pay
RedotPay: Crypto Card & Pay
Crypto Card & Payment & Wallet
Free

This app allows users to spend cryptocurrency like cash globally using virtual and physical cards. It also offers a crypto credit account, fiat on-ramps, and a multi-currency wallet for seamless management of digital assets and local currencies.

Spend crypto like cash worldwideStablecoin-based virtual & physical cardsCrypto credit account
💰 Finance
(3.9K)
free with in-app purchases
8
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
9
Peer: Pay & Earn
Peer: Pay & Earn
Peer: Pay & Earn
Pay and earn with friends
Free

Explore cryptocurrency and Web3 privately and easily with friends. This non-custodial wallet offers a fast and simple way to manage digital assets, powered by advanced privacy technology. Start your crypto journey in under a minute.

Non-custodial crypto walletPrivate crypto transactionsZero Knowledge Proofs for privacy
💰 Finance
(18)
free
10
WinWinX Inc.
WinWinX Inc.
WinWinX Inc.
by WinWinX, Inc.
Free

This app facilitates person-to-person payments over time, allowing buyers to purchase items and pay in installments without credit checks or interest. Sellers can list products or services and receive automatic, scheduled payments from buyers, building their online credibility.

Person-to-person payments over timeNo credit checks or interest for buyersSellers receive automatic, scheduled payments
💰 Finance
(17)
ad-supported
11
bit ביט
bit ביט
bit ביט
by Bank Hapoalim
Free

This app simplifies sending and receiving money, managing balances, and making secure online payments. It also facilitates group collections, payment requests, and even allows for pre-ordering foreign currency.

Send and receive moneyManage in-app balanceOnline shopping payments
💰 Finance
(2.2K)
free with in-app purchases
12
PayMate - Pay your mates
PayMate - Pay your mates
PayMate - Pay your mates
by Alternative Payments Ltd
Free
💰 Finance
(0)
13
GameTime Wallet
GameTime Wallet
GameTime Wallet
by DiTronics Financial Services, LLC
Free

Manage your finances with a comprehensive wallet that supports P2P transfers, online banking, and payroll distribution. Track spending across gaming and betting platforms, and utilize contactless payments. Integrates with physical kiosks and various payment methods for seamless financial management.

P2P money transfersOnline bankingPayroll distribution
💰 Finance
(2K)
free
14
Vipps
Vipps
Vipps
by Vipps MobilePay AS
Free

Easily send and receive money across Norway, Sweden, Denmark, and Finland. This app simplifies payments online, in stores, and for recurring bills. It also offers features like digital gift wrapping and wish lists for convenient financial management.

Send, receive, and request money between Nordic countriesSchedule gifts with digital wrappingPay online, in stores, and at flea markets
💰 Finance
(2.4K)
free with in-app purchases
15
Swish payments
Swish payments
Swish payments
by Getswish AB
Free

Easily send money to friends, businesses, and charities using your mobile number. Pay for online purchases, split bills, or make donations. Funds are directly transferred to the recipient's bank account.

Send money to contactsPay companies and organizationsSplit bills
💰 Finance
(78)
free
16
Branch: A Better Payday
Branch: A Better Payday
Branch: A Better Payday
Your money—fast
Free

Access your earned wages instantly with flexible payout options. This app provides a free digital bank account and debit card, along with financial wellness tools to help you save, spend, and manage your money effectively.

Fast wage accessDigital bank accountDebit card
💰 Finance
(67K)
free with in-app purchases
17
Peer - the everything app.
Peer - the everything app.
Peer - the everything app.
The "everything app" for you.
Free

This financial super app offers a wide range of services including booking flights and hotels, paying bills, managing funds, and purchasing insurance. It aims to provide a refreshing financial experience for users globally, with features like virtual cards and mini-games.

Book flights and hotelsPay bills and shop at physical storesSend/receive gift cards
💰 Finance
(1)
ad-supported
18
Razorpay - Accept Payments Now
Razorpay - Accept Payments Now
Razorpay - Accept Payments Now
Accept & track digital payment
Free

This app enables businesses to accept digital payments instantly through various methods like UPI, cards, and wallets. It simplifies payment tracking, allows for easy refunds, and supports both registered and unregistered businesses. Join a large community of businesses going cashless.

Accept payments via UPI, cards, wallets, net bankingInstant payment links for social media and emailTrack sales and digital payments in real-time
💰 Finance
(23)
free with in-app purchases
19
LendPal - Borrow & Lend Money + Items to Friends
LendPal - Borrow & Lend Money + Items to Friends
LendPal - Borrow & Lend Money + Items to Friends
by Codemotion
Free

Easily track money and items lent or borrowed among friends, family, and roommates. Set reminders to ensure nothing is forgotten and settle debts with a simple swipe.

Track lent itemsTrack lent moneySet item reminders
💰 Finance
(614)
free
20
BitValve: P2P Crypto Exchange
BitValve: P2P Crypto Exchange
BitValve: P2P Crypto Exchange
Buy BTC, ETH, USDT and more.
Free

This peer-to-peer exchange facilitates the buying and selling of various cryptocurrencies like Bitcoin and Ethereum. Users can utilize diverse payment methods, including gift cards and bank transfers, for instant, anonymous trading.

Peer-to-peer crypto tradingBuy and sell Bitcoin, Ethereum, LitecoinMultiple payment methods
💰 Finance
(468)
free

FAQ about Peer To Peer Payments

What are the best peer to peer payments apps for iPhone?
Jim: sell & get paid instantly tops our peer to peer payments apps ranking as of July 2026, with a 4.7-star average from 11K App Store ratings, and it's free to download.
Yes — 20 of the top peer to peer payments apps we rank are free to download, including Jim: sell & get paid instantly and BE$TOW: Private P2P Payments.
Jim: sell & get paid instantly shows ads and has no in-app purchases, according to its App Store listing as of July 2026.
We track 218+ peer to peer payments apps on the iOS App Store as of July 2026, ranked by rating, recency, and analysis of real user reviews.
This app allows businesses to accept contactless debit and credit card payments, as well as digital wallets, directly from their iPhone. It eliminates the need for additional hardware and provides instant access to funds.
You can get paid instantly by accepting contactless payments directly on your iPhone. Funds are immediately available and can be spent using the secured JIM Visa® Prepaid card.