A right mobile payment App can let you shop faster. You can use it as a digital wallet, even save more time and money while shopping online.
With contactless payments, mobile payment becomes more and more popular and convenient. Today you can find many people are using mobile payment Apps, the NFC function makes your smartphone become a digital wallet.
Mobile Payment is one of the payment method trends for 2021. Unlike traditional payment methods, mobile payments App is contactless. Most of the time, you can just wave your smartphone or scan codes to pay.
Sure mobile payment Apps are shaping the payment industry and changing the way we shop. With Apps, you need not bring cash, and you can transfer money to others with one click.
If you search keyword ‘mobile payment’ or ‘digital wallet’ at App stores, you may find countless payment Apps. But which one is the right one for you? Don’t worry, we will help you review the popular mobile apps and choose the right one for you.
Best Mobile Payment Apps Make Smartphone a Digital Wallet
Mobile payment apps allow you to have financial functions like cards. Besides using mobile App to make purchases, you can use it to transfer money.
1. PayLater by Passfeed(Buy Now Pay Later Option)
PayLater by Passfeed is a modern payment App, which ensures you can buy what you want first, and pay them later.
You can always use PayLater to shop freely at Passfeed, the leading eCommerce platform in the US. With this ‘Buy Now Pay Later‘ payment option, you can pay all you need later, and bring them back home first.
It is easy for you to use PayLater, just download Passfeed APP, then you can try this convenient payment experience.
When you are making your purchases, you can you in installments and pay nothing for 30 days.
Featrues:
- Instant Approvals
- Everyting is affordable
- Pay in Installments
- Interest-Free
- Enjoy Rewards
Relevant Reading: Buy Now Pay Later: Everything You Need to Know
2. Apple Pay
Apple Pay is one of the modern mobile payment apps. Like Apple’s business goal, Apple Pay is aim to make everything simple.
You do not need download any App, just use Apple devices like iPhones, iPads and Macs to pay.
After combining customers’ credit card information, users can make the purchases with Apple Pay. Their Apple account will turn to be a digital wallet, which you can shop with a contactless payment option.
Sure it is more secure with Apple’s strong protection. Before paying, you need to verify your identity with biologic verification. Users can transfer their money easily through the App. All your receive will save to your Apple Pay, then you can withdraw the money to your bank account.
3. Samsung Pay
Like Apple Pay, Samsung Pay is another useful mobile payment app.
Since Samsung has a large group of users, it’s not strange many users are using Samsung Pay. In the same way, customers can connect their credit and debit cards with Samsung Pay. You can use Samsung Pay with different equipment, including EMV, NFC.
But you can only use Samsung Pay with Samsung’s devices.
4. PayPal
PayPal is a world-wide famous mobile payment App. You can use it to make online transactions and purchasing.
Today we always transfer cash to others, then PayPay is your solution too. Moreover PayPal does not charge the transaction fee, except you want to transfer an instant cash to your bank account.
5. Google Pay
As a competitor of Apple, no doubt Google Pay is a famous mobile payment App.
Unlike Samsung Pay, you can use Google Pay with most Android devices. With Google Pay, you can easily pay at various retail stores, eCommerce platforms.
Compared with traditional payment gateways, it seems more secure. But if you want to transfer money to others, you need to download another payment APP named Google Pay Send.
6. Venmo
Withe the help of Facebook, the number of Venmo users is increasing now. You can easily use Facebook account to sign in, and link combine it with your bank account or credit card.
No doubt you can use Venmo to transfer money. Even you can make transactions with a phone number or email address, if Facebook identify the right user.
7. Square
The Square mobile payment App offers you both transacation and purchasing solutions.
You can combine your cards with Square account.
8. PassPay
PassPay offers a contactless payment solution too. Like PayPal, you can transfer money to other PassPay users.
Most freelancers, sellers and SMBs are using PassPay to send or receive their funds. With PassPay you can simplify your daily operation and sales management.
Featrues:
- Get paid in any currency
- Use as a debit card
- Custom Checkout Page
- Free Fund Transfers
- Instant Payments
- Secure
Devices: iOS / Android
Things you need to know before choosing your Mobile Payment App
When choosing your right mobile payment App, you need to seek the one meet all your demands. You may consider these factors as below:
What functions do you need?
Do you need to use this App to transfer money or just make the purchases? Since different mobile payment Apps have different emphasis. You need to think about your customer behavior, then choose the right one with those features you need.
Is it free to use this payment App?
Most mobile payment App will claim they are free to use. But you need to pay attention to the transactions. Sometimes some Apps will charge for each transaction or they may have extra cost.
Is the payment App secure enough?
Since you may pay all your cash through your mobile App, you should make sure your transactions are secure.
Any limitation of the APP?
Some mobile payment Apps will have some protection mechanisms to avoid defrauding. So you may have a daily limitation of transactions. Before you connect your cards to your mobile App, you need to check the rules carefully first.
Can it use globally?
Like PayLater and PassPay, you can use them worldwide. But some mobile payment Apps can only support the market in the US, so you cannot use it when you travel abroad.
How about the customer service?
Sometimes your transaction or purchasing may have some issues. When these situation happened, can the mobile payment App’s customer service help you solve the problem immediately? You’d better find the App with great customer service.
Summary
Mobile payment apps has become more indispensable in recent years. Although credit cards like Visa or Master let customers pay easily, not everyone has a credit card. Moreover sometimes you can not apply one if you cannot meet their requirements. Applying a mobile payment app is totally different, it’s easy for you to download it.
After reviewing major mobile payment apps, we focus on most people’s demand with purchasing, transaction. We concluded that PayLater(Buy Now Pay Later Option) is the best mobile payment App at present.
When you want to use a mobile payment App, no wonder you will think the features of the App are the most important determinants. In fact besides the features, you need to consider the fees they charged, and the the convenience to use it.
Today using mobile payment Apps is so common, just choose the one you feel comfortable.
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