Peer-to-peer (P2P) payment apps make sending money as simple as sending a text. With just a few taps, you can split a bill, pay your rent, or get paid for freelance work.
The right P2P app brings speed, security, and low fees to every transaction. This p2p apps list is your go-to guide for choosing the best payment platforms, whether you’re a freelancer, business owner, digital nomad, or just helping a friend out.
P2P Apps List
Here are some essential P2P apps list for easy, fast, and secure payments:
1. Venmo
Venmo is well known for its social feed and simple design. Owned by PayPal, it lets you send, receive, and request money quickly.
You can add a note and emoji to each payment, making it popular for sharing meals or splitting rent. Venmo’s instant transfers land in your bank account within minutes for a small fee. Standard transfers take one to three days and are free.
The app now supports buying crypto, making it appealing for users interested in digital currencies. Venmo is an excellent choice if you want a blend of fun, speed, and reliability.
2. PayPal
PayPal remains a worldwide leader in P2P payments. Its huge network allows you to send money to users in over 200 countries. You can link your bank, cards, and even pay with your PayPal balance.
PayPal is known for its strong buyer and seller protections, making it a safe bet for business transactions and side gigs. Many online shops and freelancers rely on PayPal for both small personal payments and larger transfers. The integration with e-commerce and invoice features makes it more than just a basic P2P app.
3. Cash App
Cash App by Block, Inc. lets you send and receive money with just a username called a $Cashtag. Instant deposits, direct deposit support, and even a free debit card set it apart.
You can buy stocks or Bitcoin right in the app, offering more flexibility than most competitors. Its user-friendly dashboard is great for those who want fast, easy payments without any clutter. Cash App is an ideal pick if you’re looking for a straightforward tool with a few extras on the side.
4. Zelle
Zelle is built into the apps of many major banks in the US. Instead of needing a new account, you can use Zelle right from your bank.
Money sent through Zelle arrives almost instantly, which makes it handy for time-sensitive payments. No extra accounts or fees are required. The downside is that Zelle works only with US banks, but for those who have it, it’s hard to beat its speed and convenience. Small business owners and everyday users love the zero-fee transfers.
5. Google Pay
Google Pay combines payments, rewards, and financial tools in one app. You can send money to friends, pay for in-store and online purchases, and even organize group payments.
Google Pay’s strong integration with Android devices makes it a top pick for mobile users. It supports international transfers in some countries and links easily to your Google account for added convenience.
Google Pay’s growing list of features appeals to both individual users and businesses who want more than basic money transfers.
6. Apple Cash
Apple Cash is baked right into the iPhone’s Messages app and Apple Wallet. You can use it to send and receive money with Apple Pay. Every payment is secure since it uses Face ID or Touch ID for authorization.
Apple Cash balances can be spent in stores, transferred to your bank, or sent to other Apple users. The service is limited to Apple devices, but if you’re in the ecosystem, it’s seamless.
7. Wise (formerly TransferWise)
Wise stands out for international payments. If you’re a freelancer or digital nomad dealing with different currencies, Wise is a solid choice. It offers real exchange rates and low fees, so you keep more of your money.
You can hold and manage balances in dozens of currencies, send money to over 70 countries, and get paid like a local with its multi-currency account. Wise is made for those who need cross-border flexibility and fair pricing.
8. Revolut
Revolut combines P2P payments with budgeting, currency exchange, and even crypto features. Its app supports payments in 30+ currencies at competitive rates. Revolut cards make spending and withdrawals easy worldwide.
Revolut analytics help you track spending, and it offers extras like virtual cards and savings vaults. Revolut appeals to users who want more than just payments, including those with international lifestyles.
9. Skrill
Skrill is a global payment app used by millions for sending money, shopping online, and even trading crypto. Its prepaid card lets you spend your balance anywhere Mastercard is accepted.
Skrill is popular among freelancers and international shoppers, offering quick transfers and multi-currency support. Fees are competitive, especially for global payments. If you want flexibility and a strong worldwide network, Skrill is a reliable P2P app.
10. Payoneer
Payoneer is favored by professionals and businesses who need to get paid globally. It lets you receive payments from international clients, marketplaces, and networks, then withdraw in local currency.
Payoneer issues a prepaid Mastercard for worldwide spending. With robust support for freelancers, remote workers, and e-commerce sellers, Payoneer is trusted for handling cross-border transactions and managing bigger payouts.
Conclusion
Choosing the right app from this P2P apps list depends on your needs, like speed, global reach, low fees, or added features. From simple domestic transfers to global payments and crypto, these platforms cover everything freelancers, small business owners, and everyday users need.
Explore each of these P2P apps, weigh their strengths, and pick the app that fits your life and work best. Keep your money moving safely and enjoy the control that top P2P payment apps offer today.