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2021 Rankings

Best Online Payment Apps

Last updated on November, 10

Do you want to make online purchasing easier and more interesting? Then you need an online payment app! These apps are created by many payment services to make payments more convenient for your buyers. So be sure to download one on your phone now!

 Best Online Payment Apps illustration

5 service ranked

Our ranking methodology

#

4

Square Online Payments logo

Square Online Payments

4.2

965

435

1,400 reviews

Price Starts:

$16.00

per month, $192.00 billed annually

Visit Website

Price Starts:

$16.00

per month, $192.00 billed annually

Payment Methods

Credit Card

Payment Processing

Real-Time

24/7 Availability

Expense Tracking

Authentication Options

Physical Key,

SMS

#

5

Authorize.net logo

Authorize.net

4.04

35

17

52 reviews

Price Starts:

$25.00

per month

Visit Website

Price Starts:

$25.00

per month

Payment Methods

Mobile Payment, E-Check

Payment Processing

Real-Time

24/7 Availability

Expense Tracking

Authentication Options

Physical Key,

OTP

#

7

Stripe logo

Stripe

3.94

56

31

87 reviews

Price Starts:

$48.00

per month

Visit Website

Price Starts:

$48.00

per month

Payment Methods

Mobile Payment, Bank Transfer

Payment Processing

Real-Time

24/7 Availability

Expense Tracking

Authentication Options

Physical Key,

SMS

#

9

Wild Apricot Payments logo

Wild Apricot Payments

3.83

418

259

677 reviews

Price Starts:

$40.80

per month, $489.60 billed every two years

Visit Website

Price Starts:

$40.80

per month, $489.60 billed every two years

Payment Methods

Credit Card

Payment Processing

Real-Time

24/7 Availability

Expense Tracking

Authentication Options

Physical Key

#

18

Venmo logo

Venmo

3.42

2,973

2,583

5,556 reviews

Free

Payment Methods

Credit Card

Payment Processing

Real-Time

24/7 Availability

Expense Tracking

Authentication Options

Physical Key

Frequently Asked Questions on Online Payment Apps

What is an online payment app?

Online payment apps or e-wallets are a secure, easy way to send and receive money online. An online payment app works with a debit or credit card and supports most e-commerce platforms and mobile apps. It is usually free to use and simple to set up. Online payment apps connect directly to the credit card for the payment.

What are the types of online payment methods?

Credit cards

This is the most used method of online payment. You need the help of an internet payment processor to make this happen. You will enter credit card information on your order form, which will be securely routed to the payment processor via the Internet. The transaction will be completed and the money will be collected from the card, minus transaction costs, which vary from one processor to the next.

Electronic Checks

Electronic checks, sometimes known as "e-checks," are accepted by many payment processors. The purchaser fills out the online order form with the bank routing number and checking account number. The processor receives these details and completes the transaction, depositing the net amounts into your business account.

Gift Cards

Store-specific gift cards and gift cards provided by major credit card issuers are the two most frequent forms of gift cards. Credit cards provided by credit card companies work in the same way as regular credit cards. You can accept this form of gift card if your business website employs a service that can process credit cards from gift card issuers.

Is there any problem in using online payment apps?

The online payment apps are prone to be hacked because they are connected to the internet. Also, the hackers can track the payments and steal the information, which can later be used to hack into bank accounts and steal money. Since hackers can steal data from millions of credit cards.

Are online payment apps safe?

Online payment apps are operated in a closed environment where they are the only ones who have access to your money. Your cash is only stored in the app, and it is protected with a password that you choose. It also depends on the app. Most apps are secure as long as you use a good strong password and two step confirmation whenever you can.

Can I transfer money using an online payment app?

Yes, you can transfer money using an online payment app. The money can be transferred from any bank account, debit card, credit card or even net banking. You can transfer money by simply linking your bank account or debit card with the online payment app. You only need to have the receiver’s bank account with the payment app you are using.

Why do you need an online payment app?

Today, just about everyone needs an online payment app. In this increasingly digital world, it's not surprising that more and more businesses are turning to payment apps to accept payments from their customers. It is the most convenient way to send and receive money online. We do pretty much everything online, from booking travel to paying bills to purchasing items.

What are some common security measurements when you're using an online payment processing app?

1. The processing application should be safe and trustworthy. This is controlled by the website's domain. If the website is not trusted and the back-up service is not trustworthy, your online transaction is not safe.

2. The encryption should be strong so that hackers can't easily get into your data.

3. Your password should be unique and different from other user accounts. It should not be related to your bank card, and it should have a minimum length of 10 characters.

4. You should change your password regularly so that someone else can't access your account.

What are the pros of using online payment apps?

The biggest advantage of using online payment apps is that you can send or receive money from anyone, anytime, anywhere. All you need is your personal mobile number, bank account details and the mobile number of the recipient. There is no hassle in carrying cash or cards. Instead, you just need to log in to your bank account, transfer the required amount, and notify the recipient.

When can I use an online payment app?

Perhaps you are running a small business or perhaps your business has an online store and you are selling all kinds of products, or maybe you are a freelancer who is selling her services online. You want to accept online payments. Or if you are a customer and you don’t carry cash, you can use an online payment app to pay you after they make a purchase.

What are the features offered by an online payment app?

Instant Payments

Instant payment refers to a money transfer from the payer's wallet to the payee's wallet that occurs in seconds rather than hours or days. This function offers numerous advantages, including the ability to make payments at any time and from any location, the rapid availability of funds, and increased control over personal and business funds.

Payments to and from bank accounts

A seamless money transfer to any bank account is possible with an online payment app, including transfers to your own accounts in the same bank as well as transfers to another person's accounts in separate banks. Online payment users should be able to send and receive personal or company money with only a few clicks, wherever they are and whenever they need it.

Bill payments

Because individuals nowadays like to pay all of their bills online such as utilities, mortgages, loans, rent, and tuition, to mention a few - this is one of the most important mobile wallet functions. Online payment is becoming a vital aspect of daily life as digital cash becomes more prevalent, and they should be able to give an easy bill payment option, whether it's a prepaid or postpaid payment service.

Cash In/Out at bank branch or ATM

Online payment users can withdraw cash from an ATM without having to use a physical credit card. They can also withdraw money from an agency or a branch bank. NFC technology is employed in ATMs, which is the same contactless technology that allows customers to pay with their smartphone by tapping it against a POS terminal.

How to use an online payment app?

Online payment apps, often known as e-wallets, are a safe and convenient way to transfer and receive money over the internet. Most e-commerce platforms and mobile apps support an online payment app that works with a debit or credit card. Here are the following steps on how to use an online payment app:

Step 1:

Download the online payment app and register with the required details.

Step 2:

Buy the products or services that you want to purchase.

Step 3:

Select Debit or Credit Card as your payment option.

Step 4:

Enter the details like Debit Card No, Expiry Date, CVV printed on your Card.

Step 6:

Enter your 6 digit 3D Secure PIN or One time password.

What are some ways to stay safe when using online payment apps?

In today’s world, there has been an exponential increase in the incidence of cybercrimes, including identity theft and online fraud. Online payment apps are one of the most vulnerable targets of cybercrime. Here are a few tips to help you stay safe when using online payment apps:

1. Enable all of the security features offered by your device. This involves enabling a biometric lock (facial scan, retina scan, fingerprint scan) as well as a lock code combination. Once you've done that, breaking into your phone and using payment applications becomes more difficult, as they both demand you to verify your identity anytime you wish to use them, make a transaction, or buy something.

2. When buying an online payment app with your credit card, make sure to pay through a secure website.

3. Turn on notifications whenever a transaction or payment takes place. Then, if suspicious activity occurs, you’ll be alerted in (almost) real time.

4. Check on your transactions as much as possible. Keep a tight eye on the money moving through your account by taking all required safety procedures. If you keep a close eye on your account, you'll be able to spot any suspicious activity fast.

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