Best Wave Pay Apps

224+ iOS apps curated and reviewed

4.1 avg rating
20 free apps
Updated May 2026

With an average user rating of 4.1β˜…, the wave pay category is one of the App Store's strongest. Browse all 224+ apps we track, sorted so the most loved ones surface first.

Compare top Wave Pay Apps (May 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1WavePayWavePayFree3.8β˜… (1.8K)YesNoJul 2026
2KBZPay CustomerKBZPay CustomerFree1.7β˜… (20K)NoNoJul 2026
3KBZ mBankingKBZ mBankingFree1.9β˜… (4K)NoNoJul 2026
4Wave: Small Business SoftwareWave: Small Business SoftwareFree4.4β˜… (6.6K)NoYesJul 2026
5Wave - Mobile MoneyWave - Mobile MoneyFree4.6β˜… (3.4K)NoNoJul 2026
6Wave MerchantWave MerchantFree4.2β˜… (10)NoNoMay 2026
7Sendwave Send & Transfer MoneySendwave Send & Transfer MoneyFree4.7β˜… (84K)NoNoJul 2026
8Wave BusinessWave BusinessFree4.1β˜… (22)NoNoJul 2026

Top Picks for Wave Pay

WavePay#1

WavePay by Digital Money Myanmar Limited

Digital Payments
Editor's Choice
πŸ’° Finance
3.8😞(1.8K ratings)
FreeAds
WavePay screenshot 1
WavePay screenshot 2
WavePay screenshot 3
WavePay screenshot 4
WavePay screenshot 5
WavePay screenshot 6

This app facilitates digital payments for everyday needs, including sending money, scanning QR codes for purchases, topping up mobile credit, and paying bills. It offers secure transactions with PIN protection and a unique device login feature. Users can also link bank accounts and MPU cards for easy fund transfers.

What We Love

  • πŸš€ Fast and easy to use
  • πŸ”’ Secure payment system
  • πŸ‘ Colorful and user-friendly UI
  • πŸ’‘ Device authorization feature

Room to Improve

  • πŸ› App crashes and freezes
  • πŸ”’ Difficult account recovery process
  • πŸ‘Ž Poor customer service
KBZPay Customer#2

KBZPay Customer by KANBAWZA BANK LIMITED

Strong Contender
πŸ’° Finance
1.7😞(20K ratings)
Free
KBZPay Customer screenshot 1
KBZPay Customer screenshot 2
KBZPay Customer screenshot 3
KBZPay Customer screenshot 4
KBZPay Customer screenshot 5
KBZPay Customer screenshot 6

A mobile wallet app for secure and convenient money transactions in Myanmar. Easily pay bills, transfer funds, and manage cash in/out with just a few taps.

What We Love

  • πŸ‘ Great customer service
  • πŸš€ Useful pay app

Room to Improve

  • πŸ”’ No security
  • πŸ”’ Accounts frozen without reason
  • ⚠️ Unreliable service
KBZ mBanking#3

KBZ mBanking by KANBAWZA BANK LIMITED

Worth Considering
πŸ’° Finance
1.9😞(4K ratings)
Free
KBZ mBanking screenshot 1
KBZ mBanking screenshot 2
KBZ mBanking screenshot 3
KBZ mBanking screenshot 4
KBZ mBanking screenshot 5
KBZ mBanking screenshot 6

Access your banking services on the go. Perform fund transfers, view account activities, and manage your finances conveniently from your mobile device.

What We Love

  • πŸ‘ Good service
  • πŸ“¦ Data package buying service

Room to Improve

  • πŸ› Frequent crashes and errors
  • ⏳ Constant log-outs and session timeouts
  • πŸ€– Outdated and unintuitive UI

More Wave Pay apps to explore

4
Wave: Small Business Software
Wave: Small Business Software
Wave: Small Business Software
Invoice, scan receipts & more
Free

Manage your small business finances on the go. Send professional invoices, track expenses with receipt scanning, and monitor your business insights. Get paid faster with integrated online payment options.

Send customized invoices and estimatesScan receipts with OCR for expense trackingMonitor business insights on a dashboard
πŸ’Ό Business
(6.6K)
free with in-app purchases
5
Wave - Mobile Money
Wave - Mobile Money
Wave - Mobile Money
by Wave Mobile Money
Free

This app offers affordable mobile money services, allowing users to send money with low fees, deposit and withdraw funds for free at agent locations, and pay bills without additional charges. It also facilitates airtime purchases for major networks in select countries.

Send money at 1%Free deposits and withdrawalsFee-free bill payments
πŸ’° Finance
(3.4K)
free
6
Wave Merchant
Wave Merchant
Wave Merchant
Merchant App for Wave Merchant
Free

This app provides merchants with a secure platform for managing online payments and tracking transactions. It offers features like dynamic QR code payments, real-time transaction history, and business analytics to help businesses streamline their financial operations.

Dynamic QR code paymentsReal-time transaction historyBusiness analytics
πŸ’° Finance
(10)
free
7
Sendwave Send & Transfer Money
Sendwave Send & Transfer Money
Sendwave Send & Transfer Money
Remittance & digital wallet
Free

Easily send money internationally to Africa, Asia, and the Middle East. This secure app offers fast, affordable transfers with transparent fees and real-time tracking. Manage mobile payments and support loved ones globally from your phone.

Fast international money transfersSecure mobile paymentsTransparent fees and exchange rates
πŸ’° Finance
(84K)
free with in-app purchases
8
Wave Business
Wave Business
Wave Business
by Wave Mobile Money
Free

Accept payments in person by scanning QR codes or remotely via payment links. Instantly view customer payment receipts and withdraw your balance for free through various methods. Get support via toll-free numbers.

In-person QR code paymentsRemote payment linksInstant payment receipts
πŸ’° Finance
(22)
free
9
Wavepay Agent
Wavepay Agent
Wavepay Agent
Wavepay Agent
Free
πŸ’° Finance
(0)
10
MPT4U
MPT4U
MPT4U
by MPT
Free

This application provides a convenient and secure way to manage your mobile account and services. It offers free data usage on the MPT network, access to exclusive club memberships, and daily chances to win prizes. Users can easily top up, transfer funds, and access special offers and packages.

Free data usage on MPT networkFree MPT Club membershipDaily free prize draws
πŸ”§ Utilities
(179)
free
11
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
πŸ’° Finance
(54K)
free
12
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
πŸ›οΈ Shopping
(752K)
free with in-app purchases
13
Chipper Cash
Chipper Cash
Chipper Cash
Send or Request Cash in Africa
Free

Send and receive money instantly and for free across town or across Africa. This app facilitates fast, fee-free local transfers and offers competitive rates for cross-border transactions. It also allows for discounted airtime purchases and bill payments.

Free local money transfersLow cross-border ratesBuy discounted airtime with cashback
πŸ’° Finance
(15K)
free
14
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
πŸ’° Finance
(59K)
free
15
Ria Money Transfer
Ria Money Transfer
Ria Money Transfer
International Remittance App
Free

Easily send money internationally to friends and family worldwide. This app offers secure and fast transfers to over 190 countries with multiple delivery options. Track your transfers and check exchange rates conveniently.

International money transfersSend to 190+ countriesCash pickup locations
πŸ’° Finance
(277K)
free with in-app purchases
16
Stripe Dashboard
Stripe Dashboard
Stripe Dashboard
Accept and manage payments
Free

Manage your business finances and accept payments from anywhere. Monitor revenue, balances, and payouts in real-time. Send invoices, create subscriptions, and issue refunds directly from your mobile device.

Real-time revenue and balance monitoringAccept in-person paymentsSend payment links and invoices
πŸ’Ό Business
(69K)
free with in-app purchases
17
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
πŸ’Ό Business
(40K)
free
18
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
πŸ’° Finance
(36K)
free with in-app purchases
19
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
πŸ’° Finance
(118K)
free
20
Wave by OCTA
Wave by OCTA
Wave by OCTA
The easiest way to pay & ride
Free

This app simplifies public transit by allowing users to pay for rides and manage their transit cards. It automatically caps fares to ensure the best price and offers real-time bus information for trip planning. Users can easily add value, manage multiple cards, and utilize features like autopay and virtual cards for seamless travel.

Automatic fare cappingPay as you rideReal-time bus information
✈️ Travel
(155)
free with in-app purchases

FAQ about Wave Pay

What are the best wave pay apps for iPhone?
WavePay tops our wave pay apps ranking as of May 2026, with a 3.8-star average from 1.8K App Store ratings, and it's free to download.
Yes β€” 20 of the top wave pay apps we rank are free to download, including WavePay and KBZPay Customer.
WavePay shows ads and has no in-app purchases, according to its App Store listing as of May 2026.
We track 224+ wave pay apps on the iOS App Store as of May 2026, ranked by rating, recency, and analysis of real user reviews.
WavePay is a mobile financial service app that allows users to make fast, easy, and safe online payments. It serves as a digital wallet for sending money, scanning QR codes for purchases at merchants, topping up mobile credit, and paying various bills like internet, solar, insurance, and loans. It also enables linking bank accounts and MPU cards for fund transfers.
WavePay employs several security features to protect user accounts. It uses a 'One Wallet, One Device' (1W1D) feature, allowing access from only one device at a time. All transactions require a mandatory 4-digit PIN, and money transfers to users not on the app are further secured with a 6-digit secret code for collection.

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