10 Best Payment Apps of 2022

Apple Pay is compatible with iPhone, iPad, Apple Watch and Mac devices.

You can send or receive up to $10,000 per transaction during a seven-day period.

Apple doesn’t charge any fees when you use Apple Pay. However, there’s a 1.5% fee — $0.25 minimum and $15 maximum — for Instant Transfer withdrawals.

You can download Cash App for iOS from the App Store or Android from Google Play.

You can send or receive up to $1,000 during any 30-day period. However, limit increases are possible for verified accounts.

Cash App doesn’t charge any fees for most payments and transactions, except ATM withdrawals. In addition, Instant Deposits are also subject to a 0.5% to 1.75% fee in exchange for instant delivery.

You can use Facebook Pay on Facebook, Messenger, Instagram and Portal.

Facebook has not published any maximum transfer limits for Facebook Pay, but it does have a $10,000-per-30-days limit for any transactions made in Messenger.

Facebook doesn’t charge any fees to transfer money to friends and family.

You can use Google Pay on both Android and iOS.

Verified accounts can send up to $5,000 during a seven-day period, while unverified accounts can only send up to $500.

Google doesn’t charge any fees to send or receive money with Google Pay. However, there’s a fee of 1.5% if you transfer out to a debit card.

You can download PayPal for Android or iOS.

If your account is verified, you can send up to $60,000. There are other limits for instant transfers to debit cards.

There are no fees for sending money from your PayPal balance or bank accounts. However, there’s a 2.90% fee plus a fixed fee for sending money via credit card.

Samsung Pay is available exclusively for Samsung users. The app is available for Android.

Lite accounts allow for up to 15 transactions per month, not to exceed $500. Full accounts allow for up to 40 transactions monthly, not to exceed $3,500.

There are no fees when using a Samsung Pay or Samsung Pay Cash account.

The app is available for Android and iOS.

The maximum send amount is $500 per day per card account.

Fees depend on the transaction type, amount, currency, country of origin and recipient country.

Xoom is available for both Android and iOS.

It depends on what country you are sending money from, what country you are sending money to and your account level. You can increase your limits by providing more account verification. Initial limits are $2,999 every 24 hours.

There may be fees depending on the transaction type, payment method, currency, country of origin and recipient country.

Zelle works with hundreds of banks and credit unions around the country.

Pay limits depend on your bank. If your bank doesn’t support Zelle, you can send up to $500 per week.

Zelle doesn’t charge any fees to send or receive money.

Venmo is available for Android and iOS.

Verified accounts can send up to $4,999.99 per week.

Venmo doesn’t charge a fee for sending or receiving money via balance, bank or debit card. However, there’s a 3% fee for sending money via credit card.

Apple Pay

Apple Pay is accepted by more than 85% of retailers in the U.S., going beyond sending payments to friends and family.

Only available on iOS, so you can’t use it with friends or family on Android.

Cash App

You can access banking services via Cash App, including paychecks, tax returns and early access to direct deposits.

Cash App has low initial pay limits before verifying your account.

Facebook Pay

You can use the service on Facebook’s existing services, so you don’t need to download any additional apps.

Only works on Facebook services.

Google Pay

You can earn rewards when using Google Pay to activate special offers from businesses.

Initially, there are low pay limits before verifying your account.

PayPal

You can set up a special PayPal.me link to share with friends for them to pay you. The app offers very high pay limits for verified accounts.

There are high fees for sending money from credit cards. Fee structure is confusing.

Samsung Pay

The service lets you use debit cards, credit cards, membership cards and gift cards from a single app. You can even get employee pricing with discounts of up to 30% on Samsung.com.

Lite accounts have low sending and receiving limits.

Western Union

You can send cash digitally directly to the recipient or send it to an agent for cash pickup. You can even track your transfer and get notified when it is delivered.

The app has low pay limits for sending money online. Fees are high.

Xoom

The service offers a money-back guarantee to give you peace of mind that only your designated recipient will receive your money.

The international fee structure can be unclear and confusing.

Zelle

You don’t need to download a separate app or create a new account to use Zelle. Instead, just log in to your supported banking app, pick who you want to pay and send the money.

Each bank sets its own pay limits with Zelle.

Venmo

Venmo offers high weekly pay limits.

You must be physically located in the U.S. to use Venmo.