Best Quick Mobile Payment Services in 2024

When you include mobile payments into your company’s processes, you’ll be able to provide a wide range of advantages to both your consumers and your business. Ease and convenience for your consumers, increased reach, and cheaper transaction costs are among the many benefits of using this technology. So, it’s important to explore this option so as not to lose out on the opportunities that come with this expanding industry. Fortunately, implementing the best quick mobile payment services is easier than ever.

Because your consumers already use their smartphones as an extension of themselves, it makes excellent commercial sense to expand the shopping experience to their digital wallets. In a similar vein, a mobile-first strategy in commercial transactions is the new standard for enterprises. There are a lot of advantages to collecting sales data from as many different devices and channels as you possibly can.

You can improve the efficiency of your online checkout procedure by adding support for mobile payment services to your ecommerce website and your in-store POS system. After selecting a previously saved payment option in their digital wallet, customers just click to complete their purchase.

This function not only saves consumers time but also keeps them from having to manually input their payment information every time they shop online, which increases the likelihood that they will purchase from you again. This article will provide you with the leading digital payment services in the market, along with their key features and benefits.

With about 97% of individuals in the United States owning some kind of mobile device, many are becoming increasingly reliant on them for their day-to-day routines. Smartphones have become a staple of modern living, from organizing schedules using calendars to running a small business. As such, it is natural that consumers have been moving toward mobile payment services. Its convenience and efficiency mean customers prefer digital wallets over other traditional payment channels.

Additionally, the pandemic has underlined numerous health concerns, especially when interacting with other people. Most quick payment services offer contactless payment options along with their other benefits. As a result, the adoption of mobile payment systems is currently accelerating, with more than 101 million users in the US taking advantage of numerous solutions. Experts also predict that about 125 million users will be using some form of mobile payments service by 2025.

On the business side, digital payment platforms offer a multitude of advantages to both online and brick-and-mortar enterprises. On average, a data breach costs about $4.35 million in 2022, which raises a lot of concern among business owners, big and small. Using a digital wallet to make a purchase is safer than using a plastic card at a checkout counter. A customer’s card number is never shared while utilizing a digital wallet. It is not the actual card number that is taken from the digital wallet but rather a tokenized version of the data, together with a unique number generated just for this purchase. The security benefits alone, along with other advantages, make quick mobile payment solutions like the ones on the list below an attractive option for many businesses.

Best Quick Mobile Payments Services in 2025

1. Apple Pay

Apple has been the go-to destination for shopping for music, movies, and applications for well over a decade, satisfying the needs of millions of customers in the process. They can purchase almost anything they want with Apple Pay by just putting their iPhone up to an NFC terminal in the shop and paying with it.

Using the Apple Cash function of the mobile payment app, you may now send money to other people as well as keep track of your balance. The unique and highly-rewarding Apple Card credit card is the most recent addition to the lineup. Apple Pay has proved to be the most successful entry into the new world of purchasing that does not involve the use of cash or credit cards. Additionally, in these times of COVID-19, the use of contactless payment systems is more recommended than it has ever been.

Regarding mobile banking and payment, the Apple Card, which was developed in collaboration with Goldman Sachs and MasterCard, provides a number of novel features and excellent benefits. The card provides a cashback incentive of 2% on most transactions and a cashback incentive of 3% on purchases made at the Apple Store and other selected stores. The card has no costs associated with it, be it annual fees, transaction fees (even for purchases made in a foreign country), and late fees.

2. PayPal Here

Downloading the PayPal Here app from either the Google Play Store or the Apple App Store is completely free of charge. Creating an account and getting it all set up doesn’t cost anything, either. Users are only required to pay fees after the business begins scanning cards and facilitating contactless transactions. However, even the associated fees are minimal, and they are also transparent so that business owners and managers do not have to deal with unpleasant surprises in the shape of extra fees.

It needs the use of PayPal’s own card reading devices, which are able to process payments through magstripe and chip cards, in addition to contactless payment alternatives such as Apple Pay and Android Pay.

Businesses now have the ability to extend their operations outside their traditional brick-and-mortar locations, thanks to PayPal Here. This is because the program can be used from any location that has a functional internet connection, and it also has the capability of accepting numerous forms of payment, thanks to the card readers that come with PayPal Here. Because of this, you will never have to refuse service to a paying patron again.

3. QuickBooks GoPayment

Payments made with credit cards, cash, or checks can be processed on the go with the help of QuickBooks GoPayment. Users have the option of either swiping their credit card using the specialized QuickBooks Chip & Magstripe Reader or manually entering the information on the accompanying mobile app for iOS or Android.

Merchants are not immediately provided with a card reader when they sign up for a subscription to QuickBooks GoPayment. Despite this, they are still able to process payments made in cash, by card, or by check while on the move with the use of the iOS or Android app that comes with the solution. The only thing required of users is to enter the transaction’s specifics, and the purchasers will need to approve the billing of their cards using their digital signature.

Businesses are able to ensure that their consumers are reminded of their payments with the help of QuickBooks GoPayment. The system can also be utilized to send tailored payment reminders as well as invoices, in addition to its primary function of processing payments.

Additionally, the tool has the capability to monitor whether or not the receivers have verified and seen the balances that were sent to them. Using QuickBooks GoPayment, you won’t encounter any problems when you try to reconcile your invoices and payments. The software is able to monitor the origin of payments and correlate such information with respective records of invoices. This reduces the likelihood of mistakes occurring in the books and guarantees that the financial records are in good shape.

4. PayPal Payments Pro

PayPal Payments Pro is a payment processing system that is founded on PayPal’s technology and that allows online merchants and enterprises to take credit card payments online in addition to processing mobile and retail credit card transactions. Users can develop and host their own checkout pages, giving them complete control over the transaction process.

You can manage the provision of a singular and satisfying checkout experience for your customers if you use a customized checkout system. You can incorporate the layout and colors to fit the concept and brand of your company. Moreover, PayPal Payments Pro is immediately compatible with the most popular shopping cart software straight out of the gate.

The mobile payment solution provides you with the flexibility as well as the security required for payment processing, allowing you to design an ecommerce website suitable for a professional setting. It can be set in whatever manner your company requires and it is compatible with a variety of devices.

Plus, given that it comes from PayPal, you would have access to nearly 390 million active client accounts worldwide. PayPal Payments Pro is a truly enterprise-class online payment system that can be customized in any manner that is required by your company’s unique needs. You’re in luck if you need your store’s catalog to sync with your online store.

Out of the box, PayPal is compatible with the vast majority of popular shopping carts. In addition, it allows your clients to complete immediate purchases while deferring their payments via attractive financing options.

5. Venmo

Venmo is a mobile payment service that enables users to immediately transfer and receive money from one another. You can transfer money from your bank account, debit card, credit card, or even from the sum you have in your Venmo account. Your balance on Venmo will increase whenever you are paid via the app.

The app was once popularized as a payment service that operated between friends, but it has now emerged as a significant force in the world of business as well. You are now able to use a QR code with Venmo in order to accept payments in-person. This is an excellent option for those who run small businesses in their own communities, as well as mobile vendors, freelancers who visit their customers, and those who run side businesses.

Owners of businesses have the option of registering for a Venmo business account that is linked to their personal account. Once everything is set up, sellers can receive payments through their Shopify login, an integrated PayPal checkout, or a one-of-a-kind QR code. The per-transaction fee that Venmo charges merchants is 1.9%, plus 10 cents, which is lower than the fees that many other payment processors charge.

Because the service assesses an extra fee of 3% to customers who transfer money using a credit card, the vast majority of Venmo users find it more convenient to send money using either their connected bank account or their Venmo balance. This makes it easier to conduct payment transactions within its ecosystem.

6. Square

Square is a POS software that aims to provide companies with a quick and dependable payment solution. It works on the counter or on the move and allows you to accept payments through your iOS or Android devices. With the included Square magstripe reader and free downloadable software, you can accept credit card and debit card payments with ease. It also has an item management system and a real-time sales tracker.

Changes to the price, name, or quantity of an item can be made immediately on the platform. In a similar vein, it enables you to monitor who sold and reimbursed what by using employee passcodes to control data access. In addition, the Square POS allows workers to punch in and out at the register. In this way, balancing gratuities and commissions is a breeze.

Also, if your monthly credit card transactions don’t exceed $10,000, Square Payments has some of the lowest prices in the industry. Signing up is hassle-free and doesn’t cost anything on a regular basis or if you decide to cancel or get your money back.

In addition to accepting cash, credit cards, and electronic wallet payments, users may also add tips, issue receipts in both paper and digital formats, and even divide purchases across payment methods, all with or without an active internet connection. Square is one of the best multichannel POS systems and payment processors since it includes a free Square Online account that allows you to make your own website, generate and email payment links, and collect payments via social network accounts.

7.  Paya (formerly Sage Payment Solutions)

Paya, previously known as Sage Payment Solutions, is a merchant services company. It provides a cloud-based platform for accepting payments via a variety of channels, including an online shop, a physical location with a credit card terminal, and a mobile application. Its streamlined approval procedure normally takes roughly 15 minutes, unlike many regular merchant applications, allowing you to start collecting payments without delay.

Paya’s API suite gives the freedom to personalize your payment gateway, enabling you to alter and adjust various components of the payment process to meet your company requirements. You (or a developer) may utilize the APIs to modify individual payment capabilities (EMV, recurring payments, ACH), ecommerce functionality, software plugins, and gift card and loyalty benefits. Tokenization is included in each API tool, and all of the tools have passed the PA-DSS audit.

Furthermore, companies can make it easier for their clients to pay their bills. They may simply send a personalized invoice to their customers’ inboxes, where they can instantly settle their amounts using any click-to-pay method provided in the email. This eliminates the need for customers to pay late fees. Businesses do not have to incur bad debt since customers may pay online at their leisure.

8. Uphold

Uphold is a cryptocurrency platform that gives users the opportunity to purchase, sell, and trade numerous assets at the same time. It is a platform that provides its users with access to a range of financial products in a manner that is relatively to use. This system is designed for bitcoin investors of all experience levels. It gives customers the ability to buy, sell, and exchange roughly 100 different cryptocurrencies in addition to other assets.

Uphold is open and honest about its pricing structure. Its fee structure is somewhat different from that of the majority of other cryptocurrency exchanges. There are no costs associated with deposits, commissions, or maker-taker transactions. Spread fees, which are essentially a little premium you’ll pay above the genuine market price and which are what enable Uphold to generate money, are what you’ll be charged instead.

This trading platform stands out from the crowd because Uphold enables users to trade inside asset classes in contrast to many of its rivals. Uphold’s AutoPilot function, which employs dollar-cost averaging to help moderate some of the volatility of investing in the cryptocurrency market, allows users to set up regular transactions. This enables users to reduce the impact of the market’s volatility on their trading activities.

9. Dwolla

Dwolla is an online payment system that was developed expressly for the purpose of making bank transfers. It is comprised of a modular and user-friendly suite of products that are compatible with all banks and credit unions in the United States. This makes it simple to develop apps that manage clients, ease bank transactions, and rapidly check bank accounts.

It offers consumers everything they want in an application programming interface (API) for automated clearing house (ACH) services. Users are able to send, receive, or transfer payments to other users while the verification process is finished instantly. They are able to get up and going with a minimum of four endpoints by using this powerful API, which makes it simple to develop integrations.

The dashboard and admin of this platform give a user-friendly interface for examining White Label connections. The API stores data that can be unlocked via the dashboard, which then offers users the information and details they need to run a successful company. There is also an integration script that can be customized, which can be included in the system in order to swiftly check bank accounts. Additionally, there are tools that are simple to use and handle single or bulk bank transfers whenever they are requested.

10. PaySimple

PaySimple is an easy-to-use, cloud-based receivables automation tool that was developed for use by smaller companies. With its straightforward installation process and intuitive interface, the program is designed to make the life of company owners less complicated.

It provides customers with a comprehensive range of helpful features and tools that cut down the amount of time they spend on pursuing, sorting, and monitoring payments. As a result, users are able to focus their attention and efforts on the things that are most important to them.

In addition to enabling companies to produce invoices, process and collect payments, and manage their relationships with customers, the platform also offers a secure environment in which these functions may be performed. Customers are able to pick the way of payment that is most suitable for them, thanks to the flexibility offered by PaySimple, which enables customers to use card payments and ACH e-checks. They have the option to settle their payments with you by logging in on a straightforward portal that is included in the email that you give them. This will allow the payment process to be completed more quickly.

11. KakaoPay

KakaoPay is a digital payments service that is provided by Kakao and has its headquarters in South Korea. This service enables users to conduct mobile payments and online transactions and allows users to make contactless payments via the use of near-field communications and QR codes. KakaoTalk, the company’s mobile instant chat app, has been updated to include support for KakaoPay.

Users can have peace of mind knowing that their financial information is safely stored when they utilize KakaoPay. This is due to the fact that during the setup phase of the application, users are prompted to provide a password that will later be used for authenticating all of their transactions. Thanks to this, they can safeguard themselves against any unlawful usage of their cards.

In addition, KakaoPay enables businesses to pay their invoices and utility bills online. They can accomplish this directly inside the app or via the messaging service. Because of this, it is much easier for them to make sure that their business operations operate well by paying their bills and invoices on time for the various services and utilities that they have received.

KakaoPay is able to link with a variety of South Korean utility providers so that invoices can be sent straight to the app. This makes it simpler for firms to pay their expenses, which is particularly helpful to freelance workers who are always on the go and for organizations whose finance departments are very busy. Because of this, companies can ensure that they will not have to pay fines or reduce the quality of the services they provide because of late or missing payments.

12. Adyen

Adyen, based in the Netherlands, processes transactions for several well-known payment systems in the Americas, Europe, Latin America, Asia/Pacific, the Middle East, and Africa. Adyen’s free monthly and startup costs, security and optimization tools, and ability to take payments across different sales channels make it a compelling option for small companies.

The service provider is well-known for its cutting-edge labor practices, flexible approach to change, and prompt customer care, and it also offers a variety of effective payment methods at reasonable prices to accommodate consumers of all financial means. Each customer receives a custom pricing quotation from Adyen, depending on the amount of their transfer.

Its positive effect on business settings is mostly attributable to the fact that it is able to attract a greater number of customers and pique consumers’ interest in a specific product or service by making it simpler for them to get their hands on it. Adyen facilitates online payments via both local and mobile devices and ensures that your money will come on time no matter where your customers are located, all while maintaining a consistent and clear user experience.

This is just one of the many ways by which Adyen stands out from the competition as a superior business associate and a marked improvement over more cumbersome forms of payment. So today, hundreds of users all around the world are using Adyen since it is available in every thriving market. The interface is available in English as well as Spanish, Portuguese, and French.

13. Samsung Pay

The only digital wallet service that allows you to use your phone to pay at any store that takes credit cards is Samsung Pay. As a payment app, Samsung Pay has been more forward-thinking than Apple Pay and Google Pay in a number of ways. Even though the need to use a non-NFC magnetic credit card terminal to make a purchase is becoming less commonplace, this app was the first to provide a rewards program and is still the only one that does so.

Samsung Money by SoFi, a free interest-bearing cash management account, is the most recent addition to the app. Samsung Pay also supports near-field communication (NFC) transactions, loyalty programs, and the online payment service Visa Checkout.

Most Samsung phones already have Samsung Pay installed. If not, users may get it from Google Play, add their cards, and start making cashless purchases immediately. You can use Samsung Pay to make safe and quick transactions when making an online purchase. Users no longer need to enter their card data for each purchase; instead, they need just approve the transaction with a fingerprint.

In addition, individuals may utilize passcodes and iris scans to verify their identities. Samsung Pay is much more protected than its standard authentication procedures since it uses a separate authentication token. Samsung Knox is a tokenization system that generates a new, random collection of integers for each and every one of your transactions. It prevents stores and websites from intercepting consumers’ credit card information while it is being processed.

14. Blockchain

Blockchain is a cryptocurrency wallet that supports several cryptocurrencies and can be utilized to swap digital currencies. This tool allows businesses to safely and easily trade with customers and other businesses using cryptocurrencies like Bitcoin and Ethereum.

Additionally, it gives companies more autonomy by facilitating their discovery of suppliers and service providers who take Bitcoin. They can effortlessly deal in cryptocurrencies and maintain their cash money in two completely different places. Blockchain makes it simple for companies to locate local Bitcoin vendors. This ensures that the user’s cryptocurrency is safe while they do business online. They are able to quickly execute transactions, thanks to this, and their physical currency is kept separate, so it may be used for other things.

In addition, businesses may use Blockchain to make payments to freelancers and other service providers located elsewhere. This not only makes the whole process more secure but also makes it easier and more pleasant to make a purchase. Blockchain guarantees that cryptocurrency wallets remain secure from theft or hacking. Digital currencies are protected in many ways, including the use of a two-factor authentication system to ensure that only their rightful owners and authorized workers may access them.

15. SumUp Air

SumUp Air is an EMV card reader that can be used for contactless payments. A single terminal can process payments made by NFC, EMV, magnetic stripe, and mobile wallets like Apple Pay and Android Pay. A SumUp terminal can be purchased at a flat charge per transaction, and signing up takes about five to 10 minutes.

Aside from the optional Point of Sale app update, there are no additional expenses associated with using any of the core features. Alternatives to employing a card reader for remote transactions include payment links, an online shop, email invoicing, and keyed transactions. In-person, contactless payments are possible with the use of QR codes that can be created with ease.

Cloud-based transaction processing enables instantaneous access to sales data through the SumUp App or the web-based Dashboard. The portable credit card reader can be set up at any location. It is particularly useful when taking their items to festivals to sell, food trucks, and other businesses on the go.

The micro-USB charging connector makes it convenient to charge the universal card reader in any location, and the Li-ion battery provides enough power for extended use. The specialized mobile app for SumUp Air is available for free on the App Store and Google Play. This allows companies to easily enter the payment amount prior to card swiping, inserting, or tapping.

16. MANGOPAY

MANGOPAY is a payment management system that is totally customizable, and enables marketplaces, crowdfunding platforms, and actors in the share economy to design a payment flow that improves the way they interact with their consumers and clients. For each purchase, for instance, they can create their own customized checkout page.

A WordPress plugin makes it simple to include MANGOPAY into online marketplaces as well. A wide variety of worldwide and domestic payment options are available to businesses, allowing them to accept and process payments and payouts from a wide variety of payers. Each participant—sellers, purchasers, contributors, and project owners—can open a digital wallet and receive payments directly into it. If necessary, refunds may be made to the customer’s bank or digital wallet.

With MANGOPAY, customers are able to collect and accept payments in numerous currencies, and the platform supports both local and international payment methods, making it an ideal solution for global markets. The MANGOPAY system allows for the separation and escrowing of cash in accordance with the chosen business model. In addition to having a valid EMI license issued by the CSSF, MANGOPAY also takes measures to prevent fraud and money laundering.

17. PhonePe

PhonePe is not just a useful tool, but it also gives companies the ability to pay their utility bills using the app, which allows them to avoid having their company operations being hampered by late or missing payments. It’s valid for all purchases and usage in all stores throughout India. All of a company’s financial transactions, such as collecting payments from customers, paying wages, and making utility payments, can be handled inside the same app, making it dynamic and very convenient for business users.

Users can load their PhonePe wallets with money from their bank accounts for instant purchases. This saves you from granting the app permission to access your connected accounts and cards for each purchase. For regular payments and wire transfers, this is also a safer option. PhonePe allows businesses to make payments not only online but also in-store. The system includes a point-of-sale terminal that can be utilized for purchases made in a physical shop.

Consequently, companies can service more clients in a shorter amount of time since fewer people will have to wait in line at the register. By having each device associated with a single retailer, this approach ensures the safety of all transactions for both businesses and customers. In addition, the user’s PIN is required for each successful payment using the app.

18. Digipay.guru

Banks, businesses, shops, fintech, and service providers can all benefit from Digipay.guru‘s cutting-edge digital payment solutions. You can create e-wallet solutions that enable customers to make and receive payments via scanning QR codes, making direct bank transactions, using NFC-capable devices, and using unique IDs. It includes mobile banking solutions that financial organizations can utilize to expand their operations and attract new customers. They can reach a huge audience and provide the necessary services without incurring the high costs of opening new locations or hiring more staff.

Using the mobile payment platform, you can also provide numerous payment and top-up services. Digipay.guru allows users to pay subscription bills, utility bills, and insurance premiums, as well as top up digital TV accounts and transit cards, recharge airtime and mobile devices, and more. Furthermore, you can facilitate the quick, secure transfer of funds across borders by providing international remittance services that allow for mobile-to-mobile, mobile-to-bank, and mobile-to-cash transactions.

There are tools built into the platform that make it simpler for merchants to manage operations, increase their profitability, and provide customers with a streamlined payment process. You can personalize pre-made loyalty cards to reward regulars and keep repeat business. Customers can create cryptocurrency wallets, keep track of all their transactions in one location, and have access to in-depth business statistics and data with the help of Digipay.guru.

19. TraQPayments

Businesses can utilize TraQPayments, an all-in-one payment platform, to take various payments, use different payment gateways, conduct multi-user settlements, and manage workflows with ease. In addition, users can instantly send payment links to many clients through email by uploading customer and payment information to a spreadsheet and then sharing that file with the software. Social media platforms like Facebook, Instagram, and WhatsApp can also be utilized to make and distribute invoices, giving customers another convenient option for making prompt payments to you.

Furthermore, the TraQPayments mobile app for Android can transform your phone into a streamlined, on-the-go payment solution, complete with helpful features like SMS invoicing, QR-code generating, scanning, and more. Your customers may now make in-store and on-the-go purchases using their credit cards, debit cards, QR codes, or SMS, or they can find nearby businesses that take TraQPayments.

After completing a short online onboarding procedure, you can be up and running with the app in less than two minutes and begin making transactions practically immediately. With no need for human intervention or configuration, scaling your company is facilitated by the fact that all aspects of your payment connections are automated through an API.

20. Wallet Factory

Wallet Factory is a Wallet-as-a-Service system for digital wallet providers, banks, financial firms, telecom providers, and merchants. It could be employed to create applications in the realm of financial technology. With Wallet Factory, B2B and B2C customers may access simple, high-quality, and low-cost financial and digital goods and services that meet their individual demands and expectations.

Its fintech apps and solutions allow customers to communicate with low-income, low-card-adoption, and low-financial-literacy groups and people. The solution makes it simple and convenient for people and companies in different parts of the world to get access to high-quality, locally relevant financial services.

With the platform’s assistance, merchants, banks, financial institutions, telecommunications providers, and others in the retail sector can expand their client bases, increase customer satisfaction, and boost customer retention. They can connect with their consumers via SMS, email, push notifications, and chat. Customers who use their digital wallets or cards to make purchases will be eligible for cashback and other perks.

The WaaS platform provides access to valuable analytics, allowing businesses to better comprehend and interact with their clientele. They’ll access and evaluate information regarding sales, accrued expenses, refunds, campaigns, promotions, and consumer personalities and habits.

The Future of Consumer Finance

In the haste to seize the next big thing in digital payments, several of the main firms in the fintech industry are putting all of their eggs in the mobile payment basket. Apple Pay and Google Wallet are two examples of services and platforms that are becoming an increasingly important part of day-to-day living. These services and platforms enable users to make payments on the go using their mobile devices, such as while out and about. It should come as no surprise that mobile payment is altering the face of the game, given how widespread its use has become.

Mobile payments, in their present form, provide consumers with an easy method to make transactions in the real world without the need to lug about a traditional wallet. Digital-first payment solutions make it simple to integrate with online banking and financial planning tools. Similarly, digital payment services allow businesses with both online and physical stores to accept payments without the need to manage separate solutions. They also integrate effortlessly with existing applications such as billing and invoicing software or CRM systems. This allows businesses to take their operations digitally, helping them to compete with bigger players in their industries.

By Louie Andre

B2B & SaaS market analyst and senior writer for FinancesOnline. He is most interested in project management solutions, believing all businesses are a work in progress. From pitch deck to exit strategy, he is no stranger to project business hiccups and essentials. He has been involved in a few internet startups including a digital route planner for a triple A affiliate. His advice to vendors and users alike? "Think of benefits, not features."