11 Mobile Payment Apps To Know About [Square, Android, and more] – part 2

5. Square Cash

Square started off as a hardware addon which allowed small businesses to turn an iPhone or iPad into a card reader.

But they have moved beyond simple POS systems, and with the Square Cash app you can now send money to your friends and family instantaneously, for free.

Square Cash also allows you to grab your $Cashtag and share a customized link to your free cash.me profile with anyone, letting you receive payments from inside the browser — extending the payments platform far beyond their origins as a point of sale terminal.

If you are a business you can request payments for a 2.75% transaction fee. This is a very reasonable merchant fee from software company, which accounts for much of Square’s substantial growth over the past 2 years.

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6. Venmo

Backed by PayPal, Venmo is the market leader in peer to peer payment apps. A fan favorite of millennials, Venmo makes money transfer between two people fast, easy and hassle free.

You will need a credit card, a debit card or checking account to use Venmo. Apart from sending payments you can also request money from your contacts and store it as Venmo Balance, and also transfer that out to your bank account.

Venmo’s Facebook-like Newsfeed feature shows you the transactions your friends have made. One of the downsides of Venmo is the potential for scams. Because Venmo payments take about a day or two to clear it’s always advisable for payments to actually land in your account in case you are exchanging goods for cash.

Transferring money to bank accounts is free using Venmo.

7. Facebook Messenger 

If you are in the US and more than 18 years old, sending money to your Facebook friend is as easy as sending them a message on Facebook Messenger.

You will have to add a Visa or Mastercard debit card issued by a US bank to your account, and set your preferred currency to US dollars for Messenger to let you pay.

Oh, and you shouldn’t be barred by Facebook from sending money.

To improve security you can also add a PIN and authenticate subsequent payments.

As of now Facebook doesn’t levy any transaction charges for transfers through Messenger.

8. Android Pay

Android Pay is Google’s answer to the Apple Pay and Samsung Pay. It uses NFC technology to let users pay for goods or services by simply tapping their phone on a compatible POS terminal — a nifty feature for a mobile payment app.

In the US, the four major banks- Chase Bank, Wells Fargo, Citibank, and Bank of America, and hundreds of smaller banks support Android Pay. This essentially makes it a mobile banking app by app development, and a powerful one at that. BoA is also setting up a chain of NFC compatible ATMs, where users can simply withdraw money without needing to swipe a card.

To start using Android Pay, add a debit or credit card by taking its photo from inside the app, provided the card is from a participating bank. Cards already associated with your Google account can be easily added to Android Pay.

You can also add loyalty and gift cards to your Android Pay account.

You can use Android Pay for in-app purchases too, and also on the desktop for certain sites (works from inside Chrome).

Google doesn’t charge any transaction fees for Android Pay payments, in addition to allowing in-app payments when configured properly.

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9. Qkr!

Mastercard’s Qkr is a mobile order ahead and payment platform which allows customers in bars or restaurants to easily clear their bills without needing to stand in line or waiting for the server to come to them with the bill.

You can also split your bills at a restaurant, order food to your cinema seat, and even pay ahead for your child’s lunch at the school cafeteria.

A recent update to the app now lets patrons open a tab at a bar and clear it easily whenever they want without leaving any card or ID with the bartender.

Qkr uses Mastercard’s Masterpass platform which lets customers from it company shop safely and easily by eliminating the need to entire their payment details at every POS or checkout form.

Mastercard is also integrating Qkr with Oracle’s POS terminals to make payments at gas stations, vending machines, parking lots, sport stations etc simple and hassle free.

Qkr is already live in Australia, Colombia, Mexico, and the UK while it will be introduced in Brazil, Canada, Ireland, Singapore, South Africa and the US later in 2017.

10. Shell + Jaguar’s in-car app

Paying for gas at a station isn’t always a seamless experience. But if Shell and Jaguar’s in car payment project in the UK goes well, things might change for the better.

After you have installed Shell’s app in your Jaguar’s infotainment system, you’ll need to set it up for payments through Apple Pay or PayPal (there’s talk of support for Android Pay later in 2017).

The next time you roll into a Shell gas station, you will simply have to tap on the touchscreen, select the amount of gas you need for dedicated team, pay ahead, and get an electronic receipt emailed to your inbox.

If all goes well, Jaguar owners can expect to use in-car payment systems for paying for parking and tolls, among other things.

11. PayPal Slack bot

If you are a Slack user you can easily link your PayPal account with Slack and use the PayPal bot to send and receive payments.

Once everything is set up, simply type /PayPal to fire up the bot, and use a simple text command, like /PayPal send $10 to @Dave to initiate the transfer.

Right now, PayPal bot is available for Slack users in Australia, Canada, US and UK.


Regardless of what you’re selling, a mobile payment option is now as basic as having a website or a telephone connection.

Depending on your brand, you can either pick one of the many off the shelf options listed above, or build something from ground up for more flexibility.


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