Best Wave Payment Apps

250+ iOS apps curated and reviewed

4.6 avg rating
20 free apps
Updated August 2026

With an average user rating of 4.6★, the wave payment category is one of the App Store's strongest. Browse all 250+ apps we track, sorted so the most loved ones surface first.

Compare top Wave Payment Apps (August 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Wave: Small Business SoftwareWave: Small Business SoftwareFree4.4★ (6.6K)NoYesAug 2026
2WavePayWavePayFree3.8★ (1.8K)YesNoAug 2026
3Wave - Mobile MoneyWave - Mobile MoneyFree4.6★ (3.5K)NoNoAug 2026
4Wave MerchantWave MerchantFree4.2★ (10)NoNoAug 2026
5Afterpay: Pay over timeAfterpay: Pay over timeFree4.9★ (752K)NoNoAug 2026
6Wave BusinessWave BusinessFree4.2★ (24)NoNoAug 2026
7Sendwave Send & Transfer MoneySendwave Send & Transfer MoneyFree4.7★ (85K)NoNoAug 2026
8Zip - Buy Now, Pay LaterZip - Buy Now, Pay LaterFree4.9★ (853K)NoNoAug 2026

Top Picks for Wave Payment

Wave: Small Business Software#1

Wave: Small Business Software by Wave Financial Inc

Invoice, scan receipts & more
Editor's Choice
💼 Business
4.4😐(6.6K ratings)
FreeIn-App Purchases
#57in Business
Wave: Small Business Software screenshot 1
Wave: Small Business Software screenshot 2
Wave: Small Business Software screenshot 3
Wave: Small Business Software screenshot 4
Wave: Small Business Software screenshot 5
Wave: Small Business Software screenshot 6

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.

What We Love

  • 🚀 Easy to use
  • 🚀 Professional invoicing
  • 🚀 Great for small businesses
  • 👍 Convenient mobile app

Room to Improve

  • 🐛 Buggy app with crashes
  • 🔒 Poor customer service and support
  • 💰 Expensive payment processing fees
WavePay#2

WavePay by Wave Money

Digital Payments
Strong Contender
💰 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

  • 🚀 Fast and easy to use
  • 🔒 Secure payment system
  • 👍 Colorful and user-friendly UI
  • 💡 Device authorization feature

Room to Improve

  • 🐛 App crashes and freezes
  • 🔒 Difficult account recovery process
  • 👎 Poor customer service
Wave - Mobile Money#3

Wave - Mobile Money by Wave Mobile Money

Worth Considering
💰 Finance
4.6😊(3.5K ratings)
Free
Wave - Mobile Money screenshot 1
Wave - Mobile Money screenshot 2
Wave - Mobile Money screenshot 3
Wave - Mobile Money screenshot 4

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.

What We Love

  • 🚀 Fast and efficient
  • 🔒 Secure and reliable
  • 👍 User-friendly interface
  • 💰 Free money transfers

Room to Improve

  • 🐛 Occasional crashes and bugs
  • 🤖 Poor customer service
  • 💳 Lack of international payment options

More Wave Payment apps to explore

4
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
💰 Finance
(10)
free
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
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
💰 Finance
(24)
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
💰 Finance
(85K)
free with in-app purchases
8
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
9
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
💼 Business
(69K)
free with in-app purchases
10
Tamara | Own your Dream
Tamara | Own your Dream
Tamara | Own your Dream
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
💰 Finance
(59K)
free
11
Remitly: Send Money & Transfer
Remitly: Send Money & Transfer
Remitly: Send Money & Transfer
Fast international payments
Free

Send money internationally with a secure and reliable service. Supports over 170 countries and 100 currencies, with various delivery options including bank accounts, mobile wallets, and cash pickup. Offers business services for international payroll and payments.

International money transfersSupport for 170+ countriesMultiple delivery options
💰 Finance
(2.7M)
free with in-app purchases
12
ShinePay
ShinePay
ShinePay
Unattended Payments
Free

Easily pay for laundry, EV charging, and other appliances directly from your smartphone. This app simplifies the process of using shared amenities, offering a convenient and modern payment solution.

Pay for laundry machinesPay for EV chargersAppliance payment
💰 Finance
(14K)
free
13
Wavepay Merchant
Wavepay Merchant
Wavepay Merchant
Wavepay Merchant
Free
💰 Finance
(0)
14
Payva: Buy Now, Pay Later
Payva: Buy Now, Pay Later
Payva: Buy Now, Pay Later
by Abundant Servicing
Free

Easily manage your existing payment plans in one secure location. Track your payment history, update payment methods, and make payments anytime with real-time updates.

Manage active payment plansMake one-time paymentsUpdate payment methods
💰 Finance
(4)
free
15
Bank Payment
Bank Payment
Bank Payment
by BILL 24 CO., LTD.
Free
💰 Finance
(0)
16
Soundpays Wallet
Soundpays Wallet
Soundpays Wallet
by Soundpays
Free

This app enables instant purchases directly from advertising content using inaudible sound waves. Simply let your phone listen to the ultrasonic transmission from TV, digital displays, or even static posters to view purchase information and complete secure transactions with a single touch.

Purchase directly from adsUses inaudible sound wavesSecure end-to-end transactions
🛍️ Shopping
(0)
free
17
MoneyGram® Money Transfers App
MoneyGram® Money Transfers App
MoneyGram® Money Transfers App
Send Money Transfers Online
Free

Send money internationally quickly and securely. Your recipients can receive funds via bank account, debit card, mobile wallet, or cash pickup. Transfers are available in over 200 countries and territories, with clear upfront costs and real-time exchange rates.

Fast transfers (minutes)Flexible delivery optionsGlobal reach (200+ countries)
💰 Finance
(679K)
free with in-app purchases
18
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
(46)
free
19
IOTPay - Omnichannel payment
IOTPay - Omnichannel payment
IOTPay - Omnichannel payment
Accept payment anywhere
Free

This app offers mobile payment solutions for both online and offline merchants. It aims to simplify transactions for businesses by providing a versatile platform.

Mobile payment solutionsOnline payment acceptanceOffline payment acceptance
🔧 Utilities
(0)
free
20
Wave - Partner App
Wave - Partner App
Wave - Partner App
Vendor Management Made Simple
Free
🔧 Utilities
(0)

FAQ about Wave Payment

What are the best wave payment apps for iPhone?
Wave: Small Business Software tops our wave payment apps ranking as of August 2026, with a 4.4-star average from 6.6K App Store ratings, and it's free to download.
Yes — 20 of the top wave payment apps we rank are free to download, including Wave: Small Business Software and WavePay.
Wave: Small Business Software has no ads and offers in-app purchases, according to its App Store listing as of August 2026.
We track 250+ wave payment apps on the iOS App Store as of August 2026, ranked by rating, recency, and analysis of real user reviews.
This app provides an integrated, on-the-go solution for small business owners to manage their finances. It allows users to send professional invoices and estimates, track business expenses by scanning receipts, and monitor key business insights through an intuitive dashboard. It also facilitates faster payments through optional online processing.
Key features include creating and sending customized invoices and estimates, scanning receipts with OCR technology to track expenses, accepting online credit card and bank payments, and accessing an at-a-glance business dashboard with profit and loss statements and invoicing metrics. The Pro Plan offers additional features like auto-importing bank transactions and automated late payment reminders.