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Alternatives · 2026

The best OPay alternatives

The rest of Best Peer-to-Peer Payment Apps, in this site's order: each with what it costs, where it runs and its record score.

1
Settle Up

Settle Up suits groups sharing expenses, including travelers, flatmates, couples, event organizers, and friends.

AndroidiPhone & iPadWeb+3 Free plan Record6.4 Visit
2
Splitwise

Splitwise suits people sharing household, family, friend, or trip costs who want to track balances and divide expenses in different ways.

AndroidiPhone & iPadWeb+1 Free plan Record6.0 Visit
3 AndroidiPhone & iPadAPI 300 NOK a month Record5.6 Visit
4
Cash App Taxes

It suits people seeking self-service federal and state filing with support for self-employment or investment income.

AndroidiPhone & iPadWeb+1 Free plan Record5.3 Visit
5
PicPay

PicPay may suit individuals seeking an account and payment features, or businesses looking for payment acceptance tools.

AndroidiPhone & iPadWeb Free plan Record5.3 Visit
6
Venmo

Venmo suits people who want to send money, split group expenses, or pay businesses from Android, iOS, or the web.

AndroidiPhone & iPadWeb Free plan Record5.3 Visit
7
PayPay

PayPay suits people wanting mobile payments, peer transfers, bill payments, and related financial functions on Android or iOS.

AndroidiPhone & iPad $1,980 a month Record5.1 Visit
8
Remitly

Remitly suits people sending money internationally who want to see the exchange rate, fees, and total before sending.

AndroidiPhone & iPad $2.99 one-time Record5.1 Visit
9
Lydia

Lydia suits people who want to send money to contacts, manage a wallet, or collect contributions for private events.

AndroidiPhone & iPad Free plan Record5.0 Visit
10
Wise

Wise may suit people who need to send money internationally, receive payments from abroad, or monitor exchange rates.

AndroidiPhone & iPadWeb Free plan Record5.0 Visit
11
Zelle

Zelle suits people with eligible U.S.

AndroidiPhone & iPadWeb Free plan Record5.0 Visit
12
Airtel Money

It suits Airtel service customers who want mobile payments, recharges, bill management, UPI transfers, and wallet features on Android or iOS.

AndroidiPhone & iPad Free plan Record4.9 Visit
13
BHIM

BHIM suits people with a bank account, a mobile number registered with the bank, and a linked debit card who want UPI payments or bill payment…

AndroidiPhone & iPad Free plan Record4.9 Visit
14
MobilePay

MobilePay suits people who want to send or request money, split group expenses, or pay businesses on a phone.

AndroidiPhone & iPad Free plan Record4.9 Visit
15
PhonePe

PhonePe suits people seeking mobile payments, bill payments, and recharges in one app.

AndroidiPhone & iPad Free plan Record4.9 Visit
16
Taptap Send

Taptap Send is for people sending money to friends and family in supported destinations, including diaspora communities sending funds back home.

AndroidiPhone & iPad Free plan Record4.9 Visit
17
tricount

It suits friends, travelers, households, couples, event groups, and clubs sharing expenses.

AndroidiPhone & iPad Free plan Record4.9 Visit
18 AndroidiPhone & iPadWeb+1 Free plan Record4.8 Visit
19 AndroidiPhone & iPadWeb+1 — Record4.5 Visit
20 AndroidiPhone & iPadWeb — Record4.2 Visit
21 AndroidiPhone & iPadWeb — Record4.2 Visit
22 AndroidiPhone & iPadWeb — Record4.2 Visit
23 AndroidiPhone & iPad — Record4.0 Visit