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Best Sttart Pay Apps

250+ iOS apps curated and reviewed

4.7 avg rating
20 free apps
Updated August 2026

Looking for free sttart pay apps? 20 of our 250+ tracked titles are free to download — no subscription, no trial. The rest are premium picks worth paying for.

Compare top Sttart Pay Apps (August 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Sttart PaySttart PayFree—NoNoJul 2026
2PayPal - Pay, Send, SavePayPal - Pay, Send, SaveFree4.8★ (6.3M)YesNoAug 2026
3Earnifi: Early Pay. Fast MoneyEarnifi: Early Pay. Fast MoneyFree was $0.994.5★ (2.6K)NoNoAug 2026
4DailyPay On-Demand PayDailyPay On-Demand PayFree4.8★ (478K)NoNoAug 2026
5Afterpay: Pay over timeAfterpay: Pay over timeFree4.9★ (752K)NoNoAug 2026
6Zip - Buy Now, Pay LaterZip - Buy Now, Pay LaterFree4.9★ (853K)NoNoAug 2026
7ZayZoon - Wages On-DemandZayZoon - Wages On-DemandFree4.9★ (40K)NoNoAug 2026
8rapid! Payrapid! PayFree4.5★ (189K)NoNoAug 2026

Top Picks for Sttart Pay

PayPal - Pay, Send, Save#2

PayPal - Pay, Send, Save by PayPal, Inc.

Debit card, rewards, pay later
Strong Contender
💰 Finance
4.8😐(6.3M ratings)
FreeAds
#3in Finance
PayPal - Pay, Send, Save screenshot 1
PayPal - Pay, Send, Save screenshot 2
PayPal - Pay, Send, Save screenshot 3
PayPal - Pay, Send, Save screenshot 4
PayPal - Pay, Send, Save screenshot 5
PayPal - Pay, Send, Save screenshot 6

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.

What We Love

  • 🚀 Extremely effective and reliable crypto recovery service
  • 🔒 Secure payment processing
  • 💰 Convenient way to send and receive money
  • 👍 Easy to use app with simple interface

Room to Improve

  • 🐛 Inconsistent customer support responses
  • 🕰️ Slow money transfer times
  • 💳 Holds on funds for new accounts
Earnifi: Early Pay. Fast Money#3

Earnifi: Early Pay. Fast Money by D5Cash Inc

Up to $500, Early Wage Access
Worth Considering
💰 Finance
4.5😐(2.6K ratings)
Free
Earnifi: Early Pay. Fast Money screenshot 1
Earnifi: Early Pay. Fast Money screenshot 2
Earnifi: Early Pay. Fast Money screenshot 3
Earnifi: Early Pay. Fast Money screenshot 4
Earnifi: Early Pay. Fast Money screenshot 5
Earnifi: Early Pay. Fast Money screenshot 6

Access your earned wages early to cover expenses like rent and bills. This app offers a fast and transparent alternative to high-interest payday loans, with no credit checks or hidden fees.

What We Love

  • 👍 Smooth interface
  • 🚀 Instant cash advances
  • 💡 Helpful for students and renters
  • 🚀 User-friendly app

Room to Improve

  • 🐛 Bugs and glitches
  • 🔒 Accessibility issues for certain users
  • 🐛 Unreliable cash advances

More Sttart Pay apps to explore

4
DailyPay On-Demand Pay
DailyPay On-Demand Pay
DailyPay On-Demand Pay
Your money, when you need it!
Free

Access your earned wages instantly, monitor your credit score, and build savings with automated tools. This app also offers curated deals and cash back on everyday purchases, all while providing 24/7 customer support.

Instant access to earned payReal-time earnings trackingFree credit score monitoring
💰 Finance
(478K)
free with in-app purchases
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
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
7
ZayZoon - Wages On-Demand
ZayZoon - Wages On-Demand
ZayZoon - Wages On-Demand
Benefit for Eligible Employees
Free

Access your earned wages instantly, any day of the week, to avoid late fees and payday loans. This app offers financial wellness tools like overdraft prediction and educational resources. It also provides options for increased spending power on gift cards for essentials.

Instant wage accessAvoid payday loansOverdraft prediction
💰 Finance
(40K)
free with in-app purchases
8
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
(189K)
free
9
Klarna: Smarter everyday money
Klarna: Smarter everyday money
Klarna: Smarter everyday money
Cashback, payments, savings
Free

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.

Flexible payment optionsInterest-free installmentsUp to 10% cashback
💰 Finance
(2.3M)
free with in-app purchases
10
Four | Buy Now, Pay Later
Four | Buy Now, Pay Later
Four | Buy Now, Pay Later
Flexible Shopping & Payments
Free

Shop your favorite online stores and split purchases into four interest-free payments. Manage all your orders and payment schedules in one convenient app, with optional upgrades for exclusive benefits.

Split purchases into 4 paymentsPay every two weeksManage orders in one app
🛍️ Shopping
(112K)
freemium
11
Rain Instant Pay
Rain Instant Pay
Rain Instant Pay
Unlock your employer benefits!
Free

Access your earned wages and employer benefits instantly, anytime. Track your earnings, gain financial insights, and utilize a full suite of financial tools. Manage your money on your terms with secure, on-demand access.

Instant access to earned wagesTrack earnings in real-timeFinancial coaching and education
💼 Business
(41K)
free
12
WhatsApp Messenger
WhatsApp Messenger
WhatsApp Messenger
Simple. Reliable. Private.
Free

Connect with friends and family globally through private messaging and high-quality calls. Share moments, documents, and stay in touch across devices, even on slow connections. Your conversations are secured with end-to-end encryption.

End-to-end encrypted messagingHigh-quality voice and video callsGroup chats and calls
🌐 Social Networking
(18M)
free with in-app purchases
13
Dayforce Wallet: On-demand Pay
Dayforce Wallet: On-demand Pay
Dayforce Wallet: On-demand Pay
Get paid as you earn.
Free

Access your earned wages before payday with this app. Manage finances, set savings goals, and track spending all in one place. Transfer funds to a debit card for purchases or withdrawals, with no fees for on-demand pay.

Access earned wages on-demandTransfer funds to a debit cardManage earnings and track spending
💰 Finance
(56K)
free
14
Payactiv
Payactiv
Payactiv
On-demand pay and beyond
Free

Access your earned wages before payday, pay bills on time, and manage unexpected expenses with user-friendly digital tools. This app helps you achieve financial stability and reach your financial wellness goals without predatory loans or interest.

Early access to wagesGovernment payment early accessSpending and saving tools
💰 Finance
(78K)
free
15
ONE@Work (formerly Even)
ONE@Work (formerly Even)
ONE@Work (formerly Even)
Your Pay, Your Way
Free

Access your earned wages before payday, track your income, and set up automatic savings. This app helps you manage your finances by providing tools to budget and understand your pay.

Access earned wages earlyTrack earnings per shiftAutomatic paycheck savings
💰 Finance
(160K)
free
16
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
17
360Pay
360Pay
360Pay
by 360 Pay
Free
💰 Finance
(0)
18
Paycor Mobile
Paycor Mobile
Paycor Mobile
by Paycor, Inc.
Free

Access payroll, time tracking, and HR functions from your mobile device. View pay stubs, manage time cards, request time off, and access company information. Managers can approve requests and manage employee time.

View pay stubs and W-2sPunch in/out and manage time cardsRequest and approve time off
💼 Business
(34K)
free
19
Instant Financial
Instant Financial
Instant Financial
by Instant Financial Inc.
Free

Access your earned wages instantly and fee-free, without waiting for payday. Manage your money, pay bills, and transfer funds with real-time financial control.

Fee-free wage accessReal-time earnings accessBill payment
💰 Finance
(9.9K)
free
20
CirclePay - Buy Now Pay Later
CirclePay - Buy Now Pay Later
CirclePay - Buy Now Pay Later
by Circle Explorer PVT LTD
Free

This app allows users to shop at partner merchants and split purchases into interest-free monthly installments. Manage payments, track spending, and discover new places to shop, all within a secure platform.

Interest-free installmentsQR code paymentsLink bank accounts/cards
💰 Finance
(2)
free

FAQ about Sttart Pay

Are there free sttart pay apps for iPhone?
Yes — 20 of the top sttart pay apps we rank are free to download, including Sttart Pay and PayPal - Pay, Send, Save.
Sttart Pay has no ads and has no in-app purchases, according to its App Store listing as of August 2026.
We track 250+ sttart pay apps on the iOS App Store as of August 2026, ranked by rating, recency, and analysis of real user reviews.