Best Peer-to-Peer Payment Apps in 2026
Updated
In short: Settle Up is ranked #1 of 24 as of 8 October 2026, ahead of Splitwise and OPay. The best-ranked option with a free plan is Splitwise. The lowest first paid tier on this page is Vipps at NOK 300/mo.
Peer-to-peer payment apps support sending money, requesting payments, and dividing shared expenses. Compare daily send limits and cash-out fee models, then check whether instant and international transfers are listed for the kinds of payments you expect to make. Payment requests and split payments can help with collecting money or settling costs together. Settle Up, Splitwise, and PhonePe are among the entries shown. The comparison also covers free-plan availability and paid-from pricing. Review the listed transfer terms and features against your typical use, especially if you need to move money quickly, across borders, or as part of a shared expense.
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.
Peer-to-Peer Payment Apps, ranked on how quickly a newcomer can get going. 14 of the 24 on this page can be tried for free.
- 1 Settle UpFree plan
- Free to practise on: yes
- Free trial: not on record
- Well documented: yes
- Runs where you work: yes
- 2 SplitwiseFree plan
- Free to practise on: yes
- Free trial: not on record
- Well documented: yes
- Runs where you work: yes
- 3 OPayFree plan
- Free to practise on: yes
- Free trial: not on record
- Well documented: yes
- Runs where you work: not on record
- 4 PhonePeFree plan
- Free to practise on: yes
- Free trial: not on record
- Well documented: yes
- Runs where you work: not on record
- 5 PicPayFree plan
- Free to practise on: yes
- Free trial: not on record
- Well documented: yes
- Runs where you work: yes
- 6 RemitlyFree plan
- Free to practise on: yes
- Free trial: not on record
- Well documented: yes
- Runs where you work: not on record
- 7 WiseFree plan
- Free to practise on: yes
- Free trial: not on record
- Well documented: yes
- Runs where you work: yes
- 8 tricountFree plan
- Free to practise on: yes
- Free trial: not on record
- Well documented: yes
- Runs where you work: not on record
- 9 Cash App TaxesFree plan
- Free to practise on: yes
- Free trial: not on record
- Well documented: yes
- Runs where you work: yes
- 10 VenmoFree plan
- Free to practise on: yes
- Free trial: not on record
- Well documented: yes
- Runs where you work: yes
- 11 ZelleFree plan
- Free to practise on: yes
- Free trial: not on record
- Well documented: yes
- Runs where you work: yes
- 12 BHIMFree plan
- Free to practise on: yes
- Free trial: not on record
- Well documented: yes
- Runs where you work: not on record
- 13 LydiaFree plan
- Free to practise on: yes
- Free trial: not on record
- Well documented: yes
- Runs where you work: not on record
- 14 MobilePayFree plan
- Free to practise on: yes
- Free trial: not on record
- Well documented: yes
- Runs where you work: not on record
- 15 PalmPay
- Free to practise on: not on record
- Free trial: not on record
- Well documented: yes
- Runs where you work: yes
- 16 VippsPaid from NOK 300/mo
- Free to practise on: not on record
- Free trial: not on record
- Well documented: yes
- Runs where you work: not on record
- 17 WorldRemit
- Free to practise on: not on record
- Free trial: not on record
- Well documented: not on record
- Runs where you work: yes
- 18 PayPay
- Free to practise on: not on record
- Free trial: not on record
- Well documented: not on record
- Runs where you work: not on record
- 19 Xoom
- Free to practise on: not on record
- Free trial: not on record
- Well documented: not on record
- Runs where you work: yes
- 20 MoneyGram
- Free to practise on: not on record
- Free trial: not on record
- Well documented: yes
- Runs where you work: yes
- 21 Paysend
- Free to practise on: not on record
- Free trial: not on record
- Well documented: not on record
- Runs where you work: yes
- 22 Taptap Send
- Free to practise on: not on record
- Free trial: not on record
- Well documented: not on record
- Runs where you work: not on record
- 23 Airtel Money
- Free to practise on: not on record
- Free trial: not on record
- Well documented: not on record
- Runs where you work: not on record
- 24 M-PESA
- Free to practise on: not on record
- Free trial: not on record
- Well documented: not on record
- Runs where you work: not on record
Compare all 24 in a table
| # | Platform | Score | Free plan | From | Free plan | Paid from | Split payments | Payment requests |
|---|---|---|---|---|---|---|---|---|
| 1 | Settle Up | 7.5 | Free plan | — | Yes | — | Yes | — |
| 2 | Splitwise | 7.2 | Free plan | Free | Yes | — | Yes | Yes |
| 3 | OPay | 7.1 | Free plan | Free | Yes | — | — | Yes |
| 4 | PhonePe | 7.1 | Free plan | Free | Yes | — | — | — |
| 5 | PicPay | 7.1 | Free plan | Free | Yes | — | — | — |
| 6 | Remitly | 7.1 | Free plan | Free | — | — | — | — |
| 7 | Wise | 7.1 | Free plan | Free | Yes | — | — | — |
| 8 | tricount | 7.0 | Free plan | Free | Yes | — | Yes | Yes |
| 9 | Cash App Taxes | 6.9 | Free plan | Free | Yes | — | — | — |
| 10 | Venmo | 6.9 | Free plan | Free | Yes | — | — | — |
| 11 | Zelle | 6.9 | Free plan | Free | Yes | — | — | — |
| 12 | BHIM | 6.8 | Free plan | Free | Yes | — | Yes | Yes |
| 13 | Lydia | 6.8 | Free plan | Free | Yes | — | Yes | Yes |
| 14 | MobilePay | 6.8 | Free plan | Free | Yes | — | Yes | Yes |
| 15 | PalmPay | 6.6 | No | — | Yes | — | Yes | — |
| 16 | Vipps | 6.5 | No | NOK 300/mo | Yes | — | Yes | Yes |
| 17 | WorldRemit | 6.1 | No | — | — | — | — | — |
| 18 | PayPay | 6.0 | No | — | Yes | — | — | — |
| 19 | Xoom | 6.0 | No | — | — | — | — | — |
| 20 | MoneyGram | 5.9 | No | — | No | — | — | — |
| 21 | Paysend | 5.9 | No | — | — | — | — | — |
| 22 | Taptap Send | 5.9 | No | — | — | — | — | — |
| 23 | Airtel Money | 5.8 | No | — | Yes | — | — | — |
| 24 | M-PESA | 5.7 | No | — | — | — | — | — |
Is your platform on this list?
Numbered spots on this list can be sponsored, and a sponsored row is labelled as paid.
Questions about this list
Which peer-to-peer payment app is ranked first on The Geeks Club?
Settle Up is ranked #1 of 24 with a score of 7.5. Splitwise is second and OPay third.
How many of these have a free plan?
14 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 how quickly a newcomer can get going: documentation depth, a free tier or trial, and the platforms it runs on.