Best Apple Pay Alternatives in 2026
Updated
20 apps from digital wallet apps ranked against Apple Pay on the same published basis.
- 1Apple Pay vs Wise
- 2Apple Pay vs Venmo
- 3Apple Pay vs PhonePe
- 4Apple Pay vs Monese
- 5Apple Pay vs Monzo
- 6Apple Pay vs Google Pay
- 7Apple Pay vs Mercado Pago
- 8Apple Pay vs Kakao Pay
- 10Apple Pay vs bKash
- 11Apple Pay vs GoPay
- 12Apple Pay vs Neteller
- 13Apple Pay vs M-PESA
- 14Apple Pay vs Alipay
- 15Apple Pay vs PayPay
- 16Apple Pay vs Coinbase Wallet
- 17Apple Pay vs Trust Wallet
- 18Apple Pay vs Guarda Wallet
- 19Apple Pay vs Paysend
- 20Apple Pay vs GrabPay
- 21Apple Pay vs Orange Money
Apple Pay alternatives compared
| # | App | Score | Free plan | From | Runs on |
|---|---|---|---|---|---|
| 1 | Wise | 9.7 | Free plan | Free | Android, iOS, Web |
| 2 | Venmo | 9.5 | Free plan | Free | Android, iOS, Web |
| 3 | PhonePe | 9.3 | Free plan | Free | Android, iOS |
| 4 | Monese | 9.3 | Free plan | £2.50/mo | Android, iOS, Web |
| 5 | Monzo | 9.2 | Free plan | Free | Android, iOS, Web |
| 6 | Google Pay | 8.8 | Free plan | Free | Android, iOS, Web |
| 7 | Mercado Pago | 8.6 | No | — | Web, iOS, Android |
| 8 | Kakao Pay | 8.6 | No | — | iOS, Android |
| 10 | bKash | 8.5 | No | — | Web, iOS, Android |
| 11 | GoPay | 8.5 | No | — | iOS, Android |
| 12 | Neteller | 8.5 | Free plan | Free | Android, iOS, Web |
| 13 | M-PESA | 8.3 | No | — | iOS, Android |
| 14 | Alipay | 8.3 | No | — | Android, iOS |
| 15 | PayPay | 8.2 | No | — | iOS, Android |
| 16 | Coinbase Wallet | 8.1 | Free plan | Free | Android, Browser, iOS, Web |
| 17 | Trust Wallet | 8.1 | Free plan | Free | Android, Browser, iOS |
| 18 | Guarda Wallet | 8.1 | Free plan | Free | Android, Browser, iOS, Linux, Mac, Web, Windows |
| 19 | Paysend | 8.0 | No | — | Web, iOS, Android |
| 20 | GrabPay | 8.0 | No | — | iOS, Android |
| 21 | Orange Money | 7.9 | No | — | Android, iOS, Web |
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Questions about Apple Pay alternatives
What is the best alternative to Apple Pay?
Wise, number 1 in digital wallet apps with a score of 9.7 out of 10. The others here: Venmo, PhonePe, Monese and 16 more.
What is the best free alternative to Apple Pay?
Wise is the best-ranked alternative with a free plan. 10 of the 20 alternatives here publish a free plan on their own pricing pages.
How are these alternatives ranked?
Ranked mobile-first: a phone app alongside the web or desktop product, a free tier and the depth of its documentation.