Today, people are more cautious about scammers than robbers. Why? Many financial transactions, from buying items to paying bills, are now done online.
The future is here, and nothing can show this better than the popularity of mobile payment apps. Here are some of the best payment apps you can use to keep your transactions safe and protected.
1. Cash App
Block’s Cash App is a free payment app to send or request funds when needed. The unique element of this platform is that you won’t need to use your email address or phone number to register. The downside is that the transfer limits will be pretty low, and it is only directly connected to debit cards.
Completing bank transfers and tax filing are possible on the platform. You will pay a 3% transaction fee, especially when using credit cards. It is convenient to use.
2. PayPal
PayPal is one of the world’s earliest and most popular payment apps, with over 435 million active accounts. Convenient and easy to use, you’ll enjoy a seamless transfer of funds from your account to your bank account. Expect a 2.9% fee for every transaction when you use your debit or credit card.
PayPal is an incredible online shopping option for customers and merchants. It has a free purchase protection feature, and it covers goods and services paid for from the platform.
3. Apple Pay
Apple Pay is strictly for Apple users aged 13 years old and above in the countries it’s available. You can enjoy seamless cash and payment transactions from your iOS device if you meet these qualifications. You can even enjoy a 2% cash back for all transactions completed through the app.
A passcode and Face ID protect the app, which can also be accessed through your Apple Watch. You will also need to know the email address or number of the recipient for the transactions.
4. Google Pay
The payment app works worldwide on iOS and Android devices and your internet browser. More than its flexibility, though, its fee-free transaction makes it a good deal for users. One downside is that you can only use immediate transfers if your debit cards are connected to the app.
5. Zelle
Interoperating with many U.S. bank systems, Zelle is in a league of its own as a payment app. The collaboration is extensive, and you will see the app as a feature in most bank apps.
Zelle is ideal if you prefer directly sending money to people’s bank accounts. You won’t need an actual app since you can access it through your bank. It also has high payment limits, free from fees, and a user-friendly setup. The major downside is it’s not for international and web payments.
6. Western Union
Perfect for sending cash to over 200 countries worldwide, Western Union has established a name beyond the online world. It became popular for transferring money from one side of the world. With the development of technology, convenience has been added to the mix. Now, you can send money with your own hands and without going to a center.
The good thing with Western Union is that you don’t need a bank account to transfer or receive money. You can deposit it or pick it up at the nearest branch.
7. Samsung Pay
Samsung Pay deals with payments and transactions, but you must use a Samsung device to access the app. You can easily set it up and connect it to your credit card. The platform is user-friendly, and you can enjoy earning points while
You can make payments with virtually any point-of-sale system that accepts credit cards, which is impressive. You also get Samsung Rewards points when using the service, so you earn while you spend.
8. MoneyGram
MoneyGram is a well-known brand in the financial world, capable of sending money everywhere. Like Western Union, you can send cash in person through the nearest branch or online using a mobile app.
From a money-sending company, it expanded into payment apps. You can connect it to your bank account to send funds whenever needed. International transfers will cost you at least $1.99 for every transaction.
9. Venmo
Venmo is one of the most seamless cash transfer apps used today. Sending and receiving money is easy, and it interoperates with other apps that work with PayPal. It is considered social-oriented and even comes with emojis.
The danger in using Venmo is that there needs to be payment protections in the transactions. With this app, you’re prone to scammers. International payments are also not possible.
10. Remitly
Well-known internationally, Remitly is a seamless platform that lets you send money to other countries whenever needed. Like other payment apps, you can send funds to digital wallets and bank accounts. The major edge of this platform comes with the option for home delivery.
The transaction fees depend on the amount you’re sending. It starts at $1.99 and $2.99, and you can immediately start enjoying the services by signing up online.
11. Revolut
Revolut works similarly to Cash App and Venmo. It functions as a mobile money transfer app without physical offices involved. You must set up a unique username to access the app’s features. If you try it out, you can get a $10 bonus for signing up.
12. Payoneer
With over 4 million users, Payoneer works ideally for business payments worldwide. Many freelancers prefer this payment app, especially its request payment option, where they can ask for money from clients. It’s a favorite among online workers due to the platform’s simplicity and convenient features for sending and receiving payments.
13. Skrill
Skrill is regarded as one of the fastest and easiest money transfer apps. It is flexible in the currencies it accepts and deals with over 40 cryptocurrencies like Bitcoin and Ethereum. Sending and receiving money is simple with just a click of a button.
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MSN Writer, Radical FIRE
Expertise: Entertainment, Travel, Interior Design, and Personal Improvement Niches
Education: Bachelor of Science in Tourism, Major in Development Tourism Management at Ateneo de Naga University
Experience: Marisa Bolivar is a content writer with 10 years of experience in creating blogs and articles across different industries on the web. She has explored many niches in her years working as a content specialist with her favorite zeroing on entertainment, from books to movies and TV shows. Marisa is also a bookworm, who has a fondness for personal improvement and philosophical authors like Paulo Coelho and Mitch Albom.