Top 12 Mobile Payment Apps 2020

Using your smartphone as a wallet has never been easier. The new mobile pay-apps let you buy things, loan some cash to your friends, use crypto-currencies as a legitimate payment tool, earn bonuses, and even do the bookkeeping. We've prepared a list of the most helpful mobile applications that will make the paying process much easier for you.

1. Google Pay

Google Pay can easily handle digital and real-life payments.  It allows you to pay in any other app, service or store without having to provide any details regarding your bank card or personal information. Instead, it shows the seller a special encoded combination. Google Pay Send, which is now a substitute for Google Wallet, enables you to pay any person, who has a mobile phone or an email.

2. Cash App

Cash App allows you to receive, send money or even exchange it into another currency. Whenever you get a sum of money, you can keep it in the system, withdraw/spend it using the Cash Card or resend it to your bank account. Transacting money is free of charge by the way. Furthermore, using Cash Card allows you to earn cash back immediately. And if you're into cryptocurrencies, Bitcoin buying/selling via Cash App is also an option. (The app is available only for the US citizens so far)

3. Venmo

Venmo is a side project developed by PayPal. It's a neat and cute app for instant money transactions, specifically to your friends or family. To make a payment you can either use money that is on your Venmo balance or attach your bank card/account for that purpose.
Every time you make a payment, you can leave a funny commentary, accompanied by a cute emoji.  Disbursements made through Venmo account, bank account, debit card, etc. are free of charge. Credit card users will have to part with a 3% fee for every transaction.

4. Facebook Messenger

Apart from delivering messages, Facebook Messenger can be used for sending/receiving cash too. All you need is to attach your debit card or PayPal account to FM and voila - you're ready to pay. To garner extra safety for your transactions, create a PIN-code. If you need to remind someone that it's time to send you money, simply go to the chat with that person and tap on the $ sign.

5. Jaxx

Jaxx is a multi-platform service for keeping, exchanging and trading cryptocurrencies. Naturally, it employs blockchain algorithms. It supports:

• Bitcoin.
• Ethereum.
• Ethereum Classic.
• Litecoin.
• Dash.
• Zcash.

The customer support service is a huge plus.

6. Zelle

Zelle is a groundbreaking service that enables you to send/receive money in a finger snap. The thing is that every bank operating in the United States can work with the Zelle transactions. It's a fast and risk-free method to do the payments: all you need is a cell phone number or an email. The whole operation takes only a few minutes. You can do financial operation directly in Zelle or via your bank.

7. Level Up

Level Up is a clever and convenient way to pre-order your food beforehand. Do a couple of taps to order a lunch or dinner and then go and grab it - no more wasting your time on waiting in line. It takes approximately from 6 to 15 minutes for your order to be fully prepared. The app automatically notifies you though when and where you can pick the order up.

8. Qkr

Qkr is another application that allows you to pre-order food, drinks & snacks, pay the restaurant bills, split them, and even make payments in school. Qkr has to be used with Masterpass - a free and safe application developed by MasterCard. It's compatible with MasterCard, American Express, Visa and also Discover Card.

9. Skrill

Skrill is a handy service that allows you to buy stuff in online stores, games, place bets and also lend money to your friends and relatives. It requires you to attach your credit/debit card details, guaranteeing 100% safety to such sensitive info. About 200 countries worldwide accept Skrill payments, which can be made in almost 40 currencies (including Bitcoin). It makes international transfers especially swift and convenient. Moreover, you can earn monthly bonuses.

10. PayPal

A money transfer made through PayPal takes a little time and can be done globally. All you need is the receiver's cell phone number or an email. After that money can be withdrawn instantly. Expenditure management is also available.

11. Alipay

Alipay is one of the best tools for buying goods online. It has more than half a billion users worldwide, and approximately 100 million money transfers are being done via Alipay every day. Alipay Wallet enables you to transact the funds right from your mobile gadget. About 80 thousand stores across the globe accept Alipay transactions.

12. Apple Pay Cash

Apple Pay Cash is compatible with almost all of the US banks. Simply add credit/debit card details to the Wallet app and start using it without delay. Apple Cash Pay can be utilized to buy stuff in online and real-life shops, apps and games. Your Apple Pay Cash balance can be transmitted to your bank account whenever you deem appropriate.