Best Peer-to-Peer Payment Apps in 2026
Updated
In short: Vipps is ranked #1 of 24 as of 3 October 2026, ahead of BHIM and PhonePe. The best-ranked option with a free plan is BHIM. The lowest first paid tier on this page is Vipps at NOK 300/mo.
24 peer-to-peer payment apps ranked on what their makers publish — plans and prices, free tiers, platforms and the facts on their own pages.
| # | Platform | Score | Why | From | Free plan | Paid from | Split payments | |
|---|---|---|---|---|---|---|---|---|
| 1 |  Vipps | 8.3 | RecognisedAPIDocumented | NOK 300/mo | Yes | — | Yes | View |
| 2 | BHIM | 7.3 | RecognisedAPIDocumented | Free | Yes | — | Yes | View |
| 3 | PhonePe | 7.2 | RecognisedAPIDocumented | Free | Yes | — | — | View |
| 4 |  Splitwise | 7.2 | RecognisedAPIDocumented | Free | Yes | — | Yes | View |
| 5 | Venmo | 7.0 | RecognisedAPIDocumented | — | Yes | — | — | View |
| 6 | PicPay | 6.9 | RecognisedAPIDocumented | — | Yes | — | — | View |
| 7 |  MobilePay | 6.9 | RecognisedAPIDocumented | Free | Yes | — | Yes | View |
| 8 | Zelle | 6.8 | RecognisedAPIDocumented | — | Yes | — | — | View |
| 9 | PayPay | 6.7 | RecognisedAPIDocumented | — | Yes | — | — | View |
| 10 | Lydia | 6.5 | RecognisedAPIDocumented | Free | Yes | — | Yes | View |
| 11 | Wise | 6.5 | RecognisedAPIDocumented | Free | Yes | — | — | View |
| 12 | OPay | 6.4 | RecognisedAPIDocumented | — | Yes | — | — | View |
| 13 | Remitly | 6.4 | RecognisedAPIDocumented | Free | — | — | — | View |
| 14 | PalmPay | 6.3 | RecognisedAPIDocumented | — | Yes | — | Yes | View |
| 15 |  Airtel Money | 6.2 | RecognisedAPIDocumented | — | Yes | — | — | View |
| 16 | Settle Up | 5.9 | RecognisedAPIDocumented | — | Yes | — | Yes | View |
| 17 | Paysend | 5.6 | RecognisedAPIDocumented | — | — | — | — | View |
| 18 | M-PESA | 5.4 | RecognisedAPIDocumented | — | — | — | — | View |
| 19 |  Xoom | 5.4 | RecognisedAPIDocumented | — | — | — | — | View |
| 20 | WorldRemit | 5.3 | RecognisedAPIDocumented | — | — | — | — | View |
| 21 |  Cash App Taxes | 5.3 | RecognisedAPIDocumented | Free | Yes | — | — | View |
| 22 | MoneyGram | 5.2 | RecognisedAPIDocumented | — | No | — | — | View |
| 23 |  Taptap Send | 5.2 | RecognisedAPIDocumented | — | — | — | — | View |
| 24 |  tricount | 5.2 | RecognisedAPIDocumented | Free | Yes | — | Yes | View |
Is your platform on this list?
Numbered spots on this list can be sponsored. They are labelled, and the editorial order and scores never change for payment.
Questions about this list
Which peer-to-peer payment app is ranked first on Inferse?
Vipps is ranked #1 of 24 with a score of 8.3. BHIM is second and PhonePe third.
How many of these have a free plan?
10 of the 24 on this page publish a free plan on their own pricing pages.
Which is the cheapest paid option?
On this page, Vipps has the lowest first paid tier we found: NOK 300/mo.
How is this list ranked?
Ranked on what each maker publishes, open and connectable first: a public API, open-source code, the depth of its documentation and a free tier to try it on. Model lists are sorted by the figure in their title, exactly as each provider publishes it. Paid placements never change a rank.