Top 9 Most Popular Mobile Payment Apps Worldwide

Paytm is a payment gateway and e-commerce company based in Delhi NCR, India. Launched in August 2010, it is the consumer-facing brand of its parent company One97 Communications. The name 'Paytm' is short for 'Pay Through Mobile'. In 2016, Paytm’s digital wallet processed over 1 billion transactions, with a total value surpassing $5 billion. The app is accepted in almost every store, toll booth, and even street vendor in India—anywhere you see a Paytm QR code, you can scan and pay via your phone.

Key Features:

• Paytm's wallet allows fast and secure payments and transfers to any bank account.
• It supports bill payments for electricity, water, gas, insurance premiums, metro card recharges, and offers discounts on popular items available in Paytm Mall.

Download Links:

• Android: https://cutt.ly/BPDaCSL
• iOS: https://cutt.ly/kPDa1qj

Google Pay, originally known as Android Pay, was first launched by Google in September 2015 in the United States and in May 2016 in the UK. However, with time, Google decided to streamline its payment services. In February 2018, Android Pay was updated and rebranded as Google Pay, bringing several new features that made the service more appealing and accessible to a wider audience.

Key Features:

• Tap to pay for purchases using your phone.
• Shop within apps and on websites.
• Automatically fill out forms in Chrome.
• Buy Google products with ease.
• Send money to friends and family instantly.

Download Links:

• Android: https://cutt.ly/EPDsIXN
• iOS: https://cutt.ly/EPDsIXN

AliPay is an e-wallet created and developed by the Alibaba Group (China). Simply put, AliPay is a tool that helps users complete online transactions such as shopping, paying utility bills, buying flight tickets, topping up mobile phones, and even paying for game cards. AliPay operates in over 110 countries and regions, with its main markets being China, South Korea, Hong Kong, and Thailand.

Key Features:

• Using AliPay is not only convenient and fast, but it also reduces the risks associated with cash payments.
• Domestic AliPay accounts: These are accounts designed for users living and working in China. Instead of using a bank card, domestic users rely on their AliPay account to pay for everyday expenses. Note that domestic accounts must undergo a strict verification process.
• International AliPay accounts: These are for non-Chinese users and are primarily used for shopping on e-commerce platforms that support AliPay. International accounts do not require account verification, but there are limitations on transaction amounts when purchasing on e-commerce sites.

Download Links:

• iOS: https://cutt.ly/lPDdnWI
• Android: https://cutt.ly/TPDdRwl

WeChat is primarily known as a social network and free messaging app from China, developed by Tencent in Guangzhou. After focusing on the development of WeChat for an extended period, the company introduced WeChat Pay, a payment feature integrated into the platform for customer transactions.

Key Features:

• With WeChat Pay, users can easily perform fast, efficient, and secure transactions using their phones. It also supports international transactions, allowing users in Vietnam to send money to contacts in China through WeChat Pay.
• Diverse payment options: Users can pay by scanning QR codes, swiping payment cards, using payment codes, or even making payments directly within the WeChat platform.
• Wide bank network: WeChat Pay is linked to numerous major banks both domestically and internationally, providing added convenience for customers.

Download Links:

• Android: https://cutt.ly/bPDfkWE
• iOS: https://cutt.ly/WPDfhT4

MoMo is a popular e-wallet in Vietnam, widely used for various e-commerce transactions. MoMo is a financial app that allows users to send and receive money quickly, easily, and securely! It lets you pay for almost anything, anywhere, and completely for FREE, including mobile top-ups for all carriers, paying utility bills, internet services, consumer loans, movie tickets, flight tickets, and hundreds of other services.

Key Features:

• MoMo covers all daily payment needs: recharge phone credits, purchase 3G/4G data, buy movie tickets, book flights and train tickets, pay for all types of bills, scan QR codes for online and in-store payments at supermarkets, shops, restaurants, and more.
• Sending money to MoMo accounts is free of charge, using just the recipient’s phone number. Withdrawals to linked bank accounts are also free. Transfers to 45 local banks are fast, secure, and instant, available 24/7, including weekends and holidays.
• Pay for a wide variety of bills, such as electricity, water, internet, cable TV, public services, medical fees, insurance, condo fees, consumer loans, and installment payments (Home Credit, Fe Credit, HD Saison, Doctor Đồng, etc.).

Download Links:

• Android: https://cutt.ly/JPDgsyb
• iOS: https://cutt.ly/VPDguFa

AirPay is a well-known e-wallet service that has gained significant attention, especially after its integration with the e-commerce platform Shopee. Developed by VietNam Esports, this mobile payment service simplifies financial transactions for users in Vietnam. AirPay enables users to buy game cards, top-up phone credits, transfer money, and pay for various everyday bills with ease.

Key Features:

• With just a few simple steps on the AirPay platform, users can quickly pay bills without the need to visit physical payment locations.
• AirPay ensures secure transactions, built on modern technology and security standards, guaranteeing that user data and transaction details are protected at all times.
• Users can easily top-up phone credits, buy prepaid cards, pay for utilities like electricity, water, internet, and cable TV. Additionally, AirPay supports online shopping payments through services like Delivery Now, Shopee, hotel bookings, flight ticket purchases, insurance payments, online movie tickets, and some Android-based game credits.

Download Links:

• Android: https://cutt.ly/4PDg4pm
• iOS: https://cutt.ly/3PDgMDe

PayPal was founded in 1998 and is headquartered in San Jose, California, USA. Founded by Peter Thiel, PayPal operates in the e-commerce space over the internet, charging fees for transactions involving sending or withdrawing money. In simple terms, PayPal serves as an intermediary service for making payments and transferring money internationally. It enables users to shop online abroad or receive payments from overseas to Vietnam.

Key Features:

• It functions as an e-wallet or similar to internet banking, allowing you to transfer or withdraw money to/from other PayPal accounts, pay for online purchases at supported merchants, and receive international payments.
• The payment system is highly secure.
• It offers a vast global network, allowing quick and convenient use worldwide.
• Transactions are safe for both buyers and sellers, with the option to dispute payments if fraud is suspected, offering protection for users.

Download Links:

• Android: https://cutt.ly/GPDoCpb
• iOS: https://cutt.ly/xPDoZAB

Launched in 2014, Apple Pay has become a widely popular payment service worldwide. Apple Pay allows users to make payments with their phones, eliminating the need to carry multiple bank cards. It acts as a virtual wallet, securely storing all your credit and debit card details. Beyond online payments, Apple Pay enables fast and efficient transactions at physical stores supporting NFC technology.

Key Benefits:

• Apple Pay uses wireless NFC technology to make payments, meaning you don’t need to carry physical cards, reducing the hassle of managing multiple cards.
• Apple does not store your transaction details or bank information, ensuring the highest level of privacy and security for your payments.
• Making payments is easy—just hold your device near the payment terminal, and your stored Device Account number will complete the transaction. Each transaction is verified with a unique security code, ensuring safety.

Download Link: https://www.apple.com/apple-pay/

Launched almost a year after Apple Pay, Samsung Pay quickly gained popularity, especially in South Korea. Introduced by Samsung in August 2015, this mobile payment service is exclusive to Samsung devices. Samsung Pay works with point-of-sale (POS) terminals using two technologies: Magnetic Secure Transmission (MST) and Near Field Communication (NFC), offering a flexible and seamless payment experience.

Key Benefits:

• With Samsung Pay, you can leave your wallet at home. No need to carry cash or cards—simply use your Samsung phone to make payments with ease.
• No need to unlock your phone or launch a special app for payments—just tap and go.
• Samsung Pay employs a security technology called Tokenization, which encrypts all of your personal data, ensuring your transactions are secure.
• It works with both magnetic stripe card readers (commonly found in supermarkets, restaurants, and shopping malls) as well as NFC-enabled terminals, making it widely accepted at many stores.

Download Link: https://www.samsung.com/vn/samsungpay/