Best Person To Person Payments Apps

248+ iOS apps curated and reviewed

4.2 avg rating
20 free apps
Updated September 2026

Looking for free person to person payments apps? 20 of our 248+ tracked titles are free to download — no subscription, no trial. The rest are premium picks worth paying for.

Compare top Person To Person Payments Apps (September 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Cherry: The Smarter Way to PayCherry: The Smarter Way to PayFree4.9★ (297)NoNoSep 2026
2ZeffyZeffyFree2.9★ (48)NoNoAug 2026
3PayLater - Split in 4 paymentsPayLater - Split in 4 paymentsFree3.5★ (286)NoNoAug 2026
4Tank PaymentsTank PaymentsFree4.9★ (21)NoNoJul 2026
5Zip - Buy Now, Pay LaterZip - Buy Now, Pay LaterFree4.9★ (858K)NoNoSep 2026
6DivDat Mobile Payments AppDivDat Mobile Payments AppFree4.8★ (4.1K)NoNoAug 2026
7noon Shopping, Food, Grocerynoon Shopping, Food, GroceryFree4.5★ (326K)YesNoSep 2026
8Afterpay: Pay over timeAfterpay: Pay over timeFree4.9★ (752K)NoNoSep 2026

Top Picks for Person To Person Payments

Zeffy#2

Zeffy by Zeffy

In person payments for NPOs
Strong Contender
💼 Business
2.9(48 ratings)
Free
Zeffy screenshot 1
Zeffy screenshot 2
Zeffy screenshot 3
Zeffy screenshot 4
Zeffy screenshot 5
Zeffy screenshot 6

Transform your smartphone into a payment terminal for your nonprofit. Accept donations and sell tickets in person using major credit cards and mobile wallets. All donations go directly to your cause with no transaction fees.

PayLater - Split in 4 payments#3

PayLater - Split in 4 payments by Pay Later

The Only Way to Split Pay
Worth Considering
💰 Finance
3.5😞(286 ratings)
Free
PayLater - Split in 4 payments screenshot 1
PayLater - Split in 4 payments screenshot 2
PayLater - Split in 4 payments screenshot 3
PayLater - Split in 4 payments screenshot 4
PayLater - Split in 4 payments screenshot 5
PayLater - Split in 4 payments screenshot 6

Split your purchases into four easy installments with this buy now, pay later service. Enjoy flexible payment options and secure transactions with no hidden fees. Shop at a wide network of top retailers.

What We Love

  • 👍 Trusted
  • 👍 Great experience

Room to Improve

  • 💡 No Arabic language support
  • 💡 Low spending limit
  • 🐛 Debit card not supported

More Person To Person Payments apps to explore

4
Tank Payments
Tank Payments
Tank Payments
Banking, Payments, Fleet Cards
Free

This financial app is designed for freight carriers, offering instant invoice payments and fast money transfers to drivers. It also provides tools to manage fleet spending with customizable cards and real-time transaction alerts.

Instant invoice paymentsFast driver payments via SMSDirect bill payments
💰 Finance
(21)
free
5
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
(858K)
free with in-app purchases
6
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
7
noon Shopping, Food, Grocery
noon Shopping, Food, Grocery
noon Shopping, Food, Grocery
Online shopping delivered fast
Free

This app is a comprehensive online marketplace offering a wide variety of products including electronics, fashion, home goods, and groceries. It also provides fast food and grocery delivery services, with options for instant delivery and access to authentic brands.

Wide product selectionFast food deliveryGrocery delivery
🛍️ Shopping
(326K)
free with in-app purchases
8
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
9
Link: A smarter way to pay
Link: A smarter way to pay
Link: A smarter way to pay
Pay quickly and securely
Free

This app streamlines online and in-store checkouts by securely storing payment details and addresses. It helps manage recurring subscriptions, track spending across connected accounts, and offers purchase protection for eligible items.

One-tap checkoutManage payment methodsView recurring subscriptions
💰 Finance
(47)
free
10
Splitit Go
Splitit Go
Splitit Go
Real-Time Installment Control
Free

Manage installment payments with a mobile-first point-of-sale experience. This app offers speed, clarity, and control for merchants, simplifying complex installment management into an intuitive workflow for in-store or on-the-go use.

Real-time installment controlMobile-first point-of-saleIntuitive workflow
💰 Finance
(1)
free
11
Accept Payments by Autobooks
Accept Payments by Autobooks
Accept Payments by Autobooks
Payments, Invoices, Tap to Pay
Free

Accept various payment methods like credit cards, debit cards, and digital wallets directly on your phone. Send invoices, create online checkout pages, and manage payments for your business securely.

Accept credit/debit card and digital wallet paymentsTap to Pay functionalityEmail or text invoices
💰 Finance
(21)
free
12
Tap to Pay + Contactless + POS
Tap to Pay + Contactless + POS
Tap to Pay + Contactless + POS
Credit Card Reader + Processor
Free

Accept credit card payments directly on your iPhone without additional hardware. This app supports major card types and offers secure, bank-grade encryption for seamless in-person transactions. Streamline your business operations with a modern payment solution.

Accept major credit cardsContactless payment processingBank-grade encryption
💼 Business
(3.7K)
free with in-app purchases
13
ChargeStripe: Stripe Payments
ChargeStripe: Stripe Payments
ChargeStripe: Stripe Payments
Mobile Credit Card Processing
Free

Transform your iPhone into a powerful payment terminal. Accept credit and debit cards, mobile wallets, and recurring payments with ease. Securely process transactions in over 135 currencies with customizable business tools.

Accept credit and debit cardsTap to Pay on iPhoneApple Pay and Google Pay support
💰 Finance
(2.1K)
free with in-app purchases
14
Melio Business Payments
Melio Business Payments
Melio Business Payments
A simpler way to pay vendors
Free

This platform simplifies business payments and collections, offering flexibility in how you pay vendors and get paid by clients. Manage bills, send invoices, and track payments all from your mobile device.

Automate bill paymentsFlexible payment optionsGlobal vendor payments
💰 Finance
(1.4K)
free
15
upay: Finance and Payments
upay: Finance and Payments
upay: Finance and Payments
Payment, Utility, Recharge
Free

This app offers a secure and innovative digital financial platform for various transactions. Easily send and receive money, pay utility bills, recharge mobile phones, and make payments at online and offline stores.

Send and receive moneyAdd money from banks/cardsCash out from agents/ATMs
💰 Finance
(188)
free
16
Tap to Pay POS - Card Payments
Tap to Pay POS - Card Payments
Tap to Pay POS - Card Payments
Mobile Card Payment on Phone
Free

Transform your iPhone into a mobile payment terminal to accept card and mobile wallet payments instantly on-site. Streamline transactions, reduce administrative tasks, and enhance your professional image with this secure and easy-to-use solution for mobile businesses.

Accept contactless card payments via iPhoneNo external card reader or POS hardware neededInstant on-site payment processing
💼 Business
(2)
free
17
iMobile: Loan, Cards & Banking
iMobile: Loan, Cards & Banking
iMobile: Loan, Cards & Banking
Loans, Cards, Payment & FASTag
Free

This banking app provides over 400 services, including loans, savings accounts, fund transfers, and card management. It allows users to manage investments, make payments, recharge services, and book travel. Features include budgeting tools, rewards, and 24/7 chatbot assistance.

Apply for various loans (Personal, Home, Car)Open digital savings accounts and fixed depositsManage debit, credit, and forex cards
💰 Finance
(67K)
free
18
360Pay
360Pay
360Pay
by 360 Pay
Free
💰 Finance
(0)
19
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
20
BenefitPay
BenefitPay
BenefitPay
by Benefit Company
Free

This app enables fast, secure, and convenient payments and fund transfers using your smart device within Bahrain. It supports various payment methods, including QR codes, bill payments, and international remittances, with features for managing accounts and tracking transactions.

Enroll payment instrumentsInstant bank transfers (Fawri+)QR code payments
💰 Finance
(11K)
free

FAQ about Person To Person Payments

What are the best person to person payments apps for iPhone?
Cherry: The Smarter Way to Pay tops our person to person payments apps ranking as of September 2026, with a 4.9-star average from 297 App Store ratings, and it's free to download.
Yes — 20 of the top person to person payments apps we rank are free to download, including Cherry: The Smarter Way to Pay and Zeffy.
Cherry: The Smarter Way to Pay has no ads and has no in-app purchases, according to its App Store listing as of September 2026.
We track 248+ person to person payments apps on the iOS App Store as of September 2026, ranked by rating, recency, and analysis of real user reviews.
Cherry is a Buy Now, Pay Later platform that revolutionizes how medical practices provide health and wellness services. It enables patients to access more comprehensive care and treatments through manageable payment plans.
Cherry allows you to manage multiple payment plans from one place, make payments in seconds with your preferred method, and track your progress with a clear view of your payment plan details and history.