Best SMS Payments Apps

215+ iOS apps curated and reviewed

4.4 avg rating
20 free apps
Updated June 2026

Whether you're new to sms payments or looking for an upgrade, our curated collection of 215+ iOS apps has something for everyone. Each app is reviewed and rated by real users, helping you make an informed decision.

Compare top SMS Payments Apps (June 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1VerifyAsap: SMS & Bill PaymentVerifyAsap: SMS & Bill PaymentFree4.3★ (4)NoNoJun 2026
2Kuda - Free transfer & paymentKuda - Free transfer & paymentFree4.7★ (133K)NoNoJul 2026
3Swish paymentsSwish paymentsFree4.1★ (70)NoNoJul 2026
4JazzCash- Your Mobile AccountJazzCash- Your Mobile AccountFree4.7★ (7K)NoNoJul 2026
5Privat24 – mobile bankPrivat24 – mobile bankFree4.9★ (8.6K)NoNoJul 2026
6PhonePe: Secure Payments AppPhonePe: Secure Payments AppFree4.7★ (165K)NoNoJul 2026
7JIM: Tap to Pay & Payment LinkJIM: Tap to Pay & Payment LinkFree4.7★ (9.6K)YesNoJul 2026
8Podium - Small Business ToolsPodium - Small Business ToolsFree4.7★ (31K)NoNoJul 2026

Top Picks for SMS Payments

Kuda - Free transfer & payment#2

Kuda - Free transfer & payment by Kuda Technologies Limited

Pay, save & invest money
Strong Contender
💰 Finance
4.7😞(133K ratings)
Free
Kuda - Free transfer & payment screenshot 1
Kuda - Free transfer & payment screenshot 2
Kuda - Free transfer & payment screenshot 3
Kuda - Free transfer & payment screenshot 4
Kuda - Free transfer & payment screenshot 5
Kuda - Free transfer & payment screenshot 6

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.

What We Love

  • 🚀 Easy to Use
  • 👍 Ease of use
  • 🚀 Exceptional Service
  • 🚀 Smooth Banking

Room to Improve

  • 🐛 Locking Users Out Through Forced Updates
  • 🐛 Face ID Not Working
  • 🐛 Debit But Not Credited
Swish payments#3

Swish payments by Getswish AB

Worth Considering
💰 Finance
4.1(70 ratings)
Free
Swish payments screenshot 1
Swish payments screenshot 2
Swish payments screenshot 3
Swish payments screenshot 4
Swish payments screenshot 5
Swish payments screenshot 6

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.

More SMS Payments apps to explore

4
JazzCash- Your Mobile Account
JazzCash- Your Mobile Account
JazzCash- Your Mobile Account
Instant Transfers & Payments
Free

This mobile wallet allows users to send money, pay bills, and recharge mobile balances instantly. It offers a secure mobile account, debit card linking for deposits, and options for physical or virtual Mastercards for payments. The app features customization, universal search, and an agent locator.

Instant money transfersUtility bill paymentsMobile balance recharge
💰 Finance
(7K)
free
5
Privat24 – mobile bank
Privat24 – mobile bank
Privat24 – mobile bank
Payments.Cashback.Loan.Deposit
Free

Manage your finances with this comprehensive mobile banking app. Perform payments, transfers, and manage loans and deposits. Track expenses, earn cashback, and access various financial services online.

Online payments and money transfersLoan and deposit managementCashback and loyalty programs
💰 Finance
(8.6K)
free
6
PhonePe: Secure Payments App
PhonePe: Secure Payments App
PhonePe: Secure Payments App
UPI, Recharges, Bills Payments
Free

This app facilitates secure digital payments, including UPI transfers, mobile and utility bill recharges, and online/offline purchases. It also offers investment options in mutual funds and insurance policies.

BHIM UPI money transfersMobile and DTH rechargesUtility bill payments
💰 Finance
(165K)
free with in-app purchases
7
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
(9.6K)
free with in-app purchases
8
Podium - Small Business Tools
Podium - Small Business Tools
Podium - Small Business Tools
Messaging, Payments, Marketing
Free

Manage all customer communications in one inbox, from payments and reviews to marketing messages. This platform helps local businesses streamline interactions, collect payments, and improve their online reputation.

Unified customer inboxAutomated review invitationsBulk text marketing
💼 Business
(31K)
ad-supported
9
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
(64K)
free
10
WeChat
WeChat
WeChat
Calls, chats, and more
Free

Connect with friends and family through messaging, voice, and video calls. Discover news, local services, and games within the app. Features mobile payment and health tracking capabilities.

Text, photo, voice, and video messagingGroup chats up to 500 membersHigh-quality voice and video calls
🌐 Social Networking
(80K)
free with in-app purchases
11
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
12
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
13
Ziina: Send. Spend. Get Paid.
Ziina: Send. Spend. Get Paid.
Ziina: Send. Spend. Get Paid.
Payments for UAE. Plus Violet.
Free

This app provides a fast and secure platform for individuals and businesses in the UAE to send, receive, and manage money. It offers features for personal payments, business transactions, and contactless payment acceptance directly on an iPhone.

Send and receive money instantlyAccept contactless payments on iPhoneBusiness payment processing
💰 Finance
(734)
free with in-app purchases
14
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
15
MyFatoorah   ماي فاتورة
MyFatoorah   ماي فاتورة
MyFatoorah ماي فاتورة
MyFatoorah - ماي فاتورة
Free

This online payment solution helps businesses in Kuwait efficiently accept payments online. It allows users to invoice clients and process transactions through a secure gateway, simplifying cash flow and improving customer experience.

Online payment solutionInvoice clientsAccept payments online
💼 Business
(3.3K)
free
16
bKash
bKash
bKash
Transactions, now that simple
Free

This app simplifies financial transactions with features like mobile recharge, bill payments, and money transfers. It offers fast account registration, secure transactions, and personalized suggestions for services and offers.

Fast account registrationAdd money from bank/cardQR code payments
💰 Finance
(11K)
free
17
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
(186)
free
18
Hala - Payments Redefined
Hala - Payments Redefined
Hala - Payments Redefined
by HalalaH Company
Free

This app allows users to make quick payments to stores and transfer money to other contacts. It simplifies transactions, eliminating the need for cash and offering a seamless shopping experience through code scanning.

One-click payments to storesTransfer money to contactsScan to pay
💰 Finance
(1.8K)
free
19
SadaPay: Money made simple
SadaPay: Money made simple
SadaPay: Money made simple
by Sada Tech Corp
Free

Manage your finances with a digital wallet and virtual Mastercard. Send, receive, and request payments with no hidden fees. Enjoy global spending, international payments for freelancers, and easy bill settlements.

Digital wallet and virtual MastercardZero-fee money transfersGlobal online and in-person spending
💰 Finance
(1.3K)
free with in-app purchases
20
payzy
payzy
payzy
A new world of payments
Free

Securely make everyday purchases, pay bills instantly, and send/receive money from friends. Earn cashback on purchases and easily split expenses with groups. Save money with electronic piggy banks.

1% cashback on purchasesInstant money transfers via chatAutomatic expense splitting
💰 Finance
(17)
free

FAQ about SMS Payments

What are the best sms payments apps for iPhone?
VerifyAsap: SMS & Bill Payment tops our sms payments apps ranking as of June 2026, with a 4.3-star average from 4 App Store ratings, and it's free to download.
Yes — 20 of the top sms payments apps we rank are free to download, including VerifyAsap: SMS & Bill Payment and Kuda - Free transfer & payment.
VerifyAsap: SMS & Bill Payment has no ads and has no in-app purchases, according to its App Store listing as of June 2026.
We track 215+ sms payments apps on the iOS App Store as of June 2026, ranked by rating, recency, and analysis of real user reviews.
VerifyAsap is a digital super-app designed to handle both SMS verifications and various bill payments. It allows users to receive international SMS verification codes and pay for services like airtime, electricity, and TV subscriptions.
VerifyAsap supports payments for airtime and data, electricity bills from various Nigerian discos, DStv, GOtv, and StarTimes subscriptions, and internet/ISP bills. It also facilitates international utility payments.