Best Digital Wallet App – App

Best Digital Wallet App

Best Digital Wallet App

Best Digital Wallet App: While payment platforms like cash and credit and debit cards still influence the payment landscape, the latest trend among retailers is mobile payment. A mobile payment app allows you to send money from your phone, either to other people or to a payment terminal to buy something in any of the stores.

There are lots of alternatives at the moment for mobile payment, and more answers are coming out all the time, both from businesses you’ve heard about and others from the onset. Either way, you can certainly find something that performs best for you, whether you’re looking for a reliable person-to-person digital wallet payment app or something that you can take along with you to the store so you don’t have to bring out your card when it’s time for payment.


Best Digital Wallet App
Best Digital Wallet App


Best Digital Wallet App

Apple Pay

Apple’s iOS policy merges with Apple Pay, a system that saves credit cards, debit cards, coupons, and online passes. Add a card to Apple Pay to tap-to-pay at millions of retail places internationally.

Also incorporated with Apple Pay is Apple Pay Cash, which is a way for you to keep money on your phone in a virtual card. You can spend it via Apple Pay in stores or use it in the Messages app to pay or collect money via a text message.

The Apple Pay service is guarded with a PIN or with Apple’s TouchID or FaceID biometric systems.

Works with: iOS (built-in)

Visit Apple Pay

What We Like

  • An unidentified single-purpose voucher system doesn’t communicate credit card details.
  • Works with a range of major banks and credit cards.
  • No charges for use.
  • Easy to understand user interface.

What We Don’t Like

  • It can only be used with the latest iPhone and iPad versions.
  • It doesn’t work with online shopping.
  • Person-to-person transfers can only be available for friends with iOS devices.


Google Pay.

You can pay with Google in two different ways. Both of them are 100% free to use, but they’re built for different reasons. Let’s discuss it further.

The first way we can use Google to pay for something is with the Google Pay app (formerly called Android Pay and Pay with Google) which you can use in stores, through apps, and online to purchase things. It’s tightly fused with the Android ecosystem, so it’s pretty simple to use anywhere you buy something from your Android.

The second Google Pay payment option is called Google Pay Send (the current Google Wallet) which is used for transferring and receiving money from other people. It can be set up to electronically put incoming money into your bank or to have it stay in your Google account.

Google Pay works with Android

Google Pay Send works with iOS and Android

Visit Google Pay


What We Like

  • Peer-to-peer payments.
  • Works with PayPal.
  • Accepted at many retail websites, physical locations, and in other apps.
  • Compactible with Android and iOS devices.

What We Don’t Like

  • The user base is lesser than its opposition.
  • Receipt of sent money differs from seconds to days.


Samsung Pay

Samsung Pay works with the enrollment of credit, debit, gift cards, and membership cards to ease in-person, in-app, or online payments. The app also attributes special promotions.

Because Samsung Pay uses two wireless technologies at once, MST and NFC, the app will make use of whichever one is supported by the terminal when it’s time to pay. This takes the assumption out of it for you and eradicates any steps you’d have to take to turn one or the other radio on.

What We Like

  • Works at any place that receives credit cards.
  • Has the widest user base of related apps.
  • Scans and saves any card with a barcode.
  • Receive points on all purchases.

What We Don’t Like

  • Uses former magnetic stripe technology.
  • Engaged user interface.
  • Established automatically on some Samsung phones.

Visit Samsung Pay


Visit PayPal

Mobile payment with PayPal is easy and undemanding, plus there are various security measures in place to avert theft.

All you need to do to pay with PayPal is to connect your PayPal account with your phone, set up a PIN, and then complete checkout at a related payment terminal.

PayPal is also perfect for sending money to other users all over the world because it’s one of the most famous payment services around, so chances are many people you know already use it.

There are little fees connected with some payments, but in most cases, PayPal can be used totally free of charge to send or receive money.

Another neat feature about PayPal is that you can generate what is called Money Pools to lay out a way for people to pitch in to send you money. The pool page is general for anyone to see and supply to.

Works with: Android and iOS


What We Like

  • Intimate mobile payment choice trusted by consumers.
  • Received by nearly all online shopping sites.
  • Simple to use.

What We Don’t Like

  • Fees for some transactions.
  • Little customer support.


Cash App

The Cash App is a money-sending application from the company Square. It’s very simple but also very dependable, sound, and easy to use. When money gets to you through Cash App, it can be stored in your account and transferred to your bank whenever you want, for free.

Cash App is also attached to a real debit card that you can get from the company for at no cost. With it, you can dish out money directly from your Cash account like any debit card.

Similar to PayPal’s Money Pool, Cash App uses pages that make it very easy for people to pay you without needing your personal details. These are real web pages that anyone can enter to pay you; they’re linked to your $Cashtag.

Works with: iOS and Android

What We Like

  • Very easy-to-use interface.
  • Proprietary $Cashtags guard user privacy.
  • Works with Bitcoin trading.

What We Don’t Like

  • Some transaction you make will be charged.
  • Only available in the U.S.
  • Low spending limits.

Visit Cash App




Venmo is a pay-by-text service, which allows people to pay one another using its SMS-based method.

This system puts a maximum payment limit of $299 per week until your identity is confirmed; then the weekly limit rises to $2,999. A single payment is limited to $2,000, and there is a limit of 30 payments per day. Payees get a text message about the amount they have been sent, and they will have to register themselves in order to recover the sent funds.

Works with: iOS and Android

What We Like

  • Shaped for use with people you trust.
  • Easy to set up and use.
  • The social component solicits comments on transactions from friends and family.

What We Don’t Like

  • Beneficiaries must install the app.
  • Transaction descriptions are open to public or semipublic investigation.

Visit Venmo



One of the most accepted mobile-payment apps is not considered a banking app by most experts. The Starbucks app shows off more users in the year 2018 than Apple Pay, Samsung Pay, or Google Pay.

Use the Starbucks app to order online, but you can also link a debit or credit card to your app and pay at the Starbucks register with the app.

Works with: iOS and Android

What We Like

  • Collect Starbucks points for each $1 spent.
  • Free birthday award.
  • Free in-store refills on coffee and tea.

What We Don’t Like

  • Functional only at Starbucks locations.
  • Points can’t be reclaimed on alcoholic beverages.

Visit Starbucks



Unlike other services that offer a committed mobile app, Zelle works best when linked directly with banks to support person-to-person micropayments. If your bank participates, you can use the bank’s native app to send money to friends and family using Zelle’s infrastructure.

What makes Zelle distinctive is that money can be sent from one bank to another in (usually) minutes. This is definitely something some people prefer so that the money can be in the account, and totally available for use, the same day the transfer takes place.

Establishing Zelle, if your bank isn’t supported yet, is as easy as imputing your debit card number into the Zelle app and choosing to send or receive money from that bank.

What We Like

  • Free, quick funds transfer.
  • Specializes in person-to-person micropayments.
  • Simple interface: Send, Request, Split.
  • Strong bill-splitting feature.

What We Don’t Like

  • Banks of both the sender and the receiver must be associated with Zelle for the best service.
  • No international payments.
  • Cannot use in retail stores or online.

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