Best Peer-to-Peer Payment Apps in 2026
Updated
In short: Settle Up is ranked #1 of 24 as of 9 October 2026, ahead of Splitwise and Wise. The best-ranked option with a free plan is Splitwise. The lowest first paid tier on this page is Vipps at NOK 300/mo.
Paying someone back, collecting a contribution, or dividing a shared bill calls for payment tools that fit the way you send and receive money. Compare daily send limits and cash-out fee models, and check whether instant transfers or international transfers are listed. Payment requests and split payments can matter when you need to collect funds or settle expenses with others. Settle Up, Splitwise, and Wise are among the options to compare. The details also include free-plan availability and paid-from pricing, so look at both access and cost alongside the transfer terms. Consider the kinds of payments you expect to make and the limits that apply.
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.
24ranked
16free plans on this page
NOK 300/molowest paid tier
9 Oct 2026last checked
Input list Peer-to-Peer Payment Apps 24 channels on this page · 49 of 192 spec lines stated by the makers
Ch Tool Free planPaid fromSplit paymentsPayment requestsInstant transferInternational transfersDaily send limitCash-out fee model Spec sheet Score
01 Settle Up Free planYesPaid fromnot statedSplit paymentsYesPayment requestsnot statedInstant transferYesInternational transfersnot statedDaily send limitnot statedCash-out fee modelnot stated 3/8spec lines stated 7.6
02 Splitwise Free planYesPaid fromnot statedSplit paymentsYesPayment requestsYesInstant transfernot statedInternational transfersNoDaily send limitnot statedCash-out fee modelvariable 5/8spec lines stated 7.3
03 Wise Free planYesPaid fromnot statedSplit paymentsnot statedPayment requestsnot statedInstant transfernot statedInternational transfersnot statedDaily send limitnot statedCash-out fee modelnot stated 1/8spec lines stated 7.3
04 PicPay Free planYesPaid fromnot statedSplit paymentsnot statedPayment requestsnot statedInstant transfernot statedInternational transfersnot statedDaily send limitnot statedCash-out fee modelnot stated 1/8spec lines stated 7.2
05 OPay Free planYesPaid fromnot statedSplit paymentsnot statedPayment requestsYesInstant transferYesInternational transfersnot statedDaily send limitnot statedCash-out fee modelnot stated 3/8spec lines stated 7.1
06 PhonePe Free planYesPaid fromnot statedSplit paymentsnot statedPayment requestsnot statedInstant transfernot statedInternational transfersnot statedDaily send limitnot statedCash-out fee modelnot stated 1/8spec lines stated 7.1
07 Remitly Free plannot statedPaid fromnot statedSplit paymentsnot statedPayment requestsnot statedInstant transfernot statedInternational transfersnot statedDaily send limitnot statedCash-out fee modelnot stated 0/8spec lines stated 7.1
08 Venmo Free planYesPaid fromnot statedSplit paymentsnot statedPayment requestsnot statedInstant transfernot statedInternational transfersnot statedDaily send limitnot statedCash-out fee modelnot stated 1/8spec lines stated 7.1
09 Zelle Free planYesPaid fromnot statedSplit paymentsnot statedPayment requestsnot statedInstant transfernot statedInternational transfersnot statedDaily send limitnot statedCash-out fee modelnot stated 1/8spec lines stated 7.1
10 Cash App Taxes Free planYesPaid fromnot statedSplit paymentsnot statedPayment requestsnot statedInstant transfernot statedInternational transfersnot statedDaily send limitnot statedCash-out fee modelnot stated 1/8spec lines stated 7.0
11 PayPay Free planYesPaid fromnot statedSplit paymentsnot statedPayment requestsnot statedInstant transfernot statedInternational transfersnot statedDaily send limitnot statedCash-out fee modelnot stated 1/8spec lines stated 7.0
12 WorldRemit Free plannot statedPaid fromnot statedSplit paymentsnot statedPayment requestsnot statedInstant transfernot statedInternational transfersnot statedDaily send limitnot statedCash-out fee modelnot stated 0/8spec lines stated 7.0
13 Lydia Free planYesPaid fromnot statedSplit paymentsYesPayment requestsYesInstant transferYesInternational transfersYesDaily send limitnot statedCash-out fee modelvariable 6/8spec lines stated 6.9
14 MobilePay Free planYesPaid fromnot statedSplit paymentsYesPayment requestsYesInstant transferYesInternational transfersYesDaily send limit50,000 per dayCash-out fee modelnot stated 6/8spec lines stated 6.9
15 PalmPay Free planYesPaid fromnot statedSplit paymentsYesPayment requestsnot statedInstant transferYesInternational transfersnot statedDaily send limitnot statedCash-out fee modelnot stated 3/8spec lines stated 6.9
16 tricount Free planYesPaid fromnot statedSplit paymentsYesPayment requestsYesInstant transferYesInternational transfersnot statedDaily send limitnot statedCash-out fee modelnot stated 4/8spec lines stated 6.9
17 Airtel Money Free planYesPaid fromnot statedSplit paymentsnot statedPayment requestsnot statedInstant transfernot statedInternational transfersnot statedDaily send limitnot statedCash-out fee modelnot stated 1/8spec lines stated 6.8
18 BHIM Free planYesPaid fromnot statedSplit paymentsYesPayment requestsYesInstant transferYesInternational transfersnot statedDaily send limit40,000 per dayCash-out fee modelnot stated 5/8spec lines stated 6.8
19 Vipps Free planYesPaid fromnot statedSplit paymentsYesPayment requestsYesInstant transferYesInternational transfersYesDaily send limitnot statedCash-out fee modelnot stated 5/8spec lines stated 6.7
20 Xoom Free plannot statedPaid fromnot statedSplit paymentsnot statedPayment requestsnot statedInstant transfernot statedInternational transfersnot statedDaily send limitnot statedCash-out fee modelnot stated 0/8spec lines stated 6.7
21 MoneyGram Free planNoPaid fromnot statedSplit paymentsnot statedPayment requestsnot statedInstant transfernot statedInternational transfersnot statedDaily send limitnot statedCash-out fee modelnot stated 1/8spec lines stated 6.6
22 Paysend Free plannot statedPaid fromnot statedSplit paymentsnot statedPayment requestsnot statedInstant transfernot statedInternational transfersnot statedDaily send limitnot statedCash-out fee modelnot stated 0/8spec lines stated 6.1
23 Taptap Send Free plannot statedPaid fromnot statedSplit paymentsnot statedPayment requestsnot statedInstant transfernot statedInternational transfersnot statedDaily send limitnot statedCash-out fee modelnot stated 0/8spec lines stated 6.0
24 M-PESA Free plannot statedPaid fromnot statedSplit paymentsnot statedPayment requestsnot statedInstant transfernot statedInternational transfersnot statedDaily send limitnot statedCash-out fee modelnot stated 0/8spec lines stated 5.8
Compare all 24 in a table
| # | Tool | Score | Free plan | From | Free plan | Paid from | Split payments | Payment requests |
|---|---|---|---|---|---|---|---|---|
| 1 | Settle Up | 7.6 | Free plan | — | Yes | — | Yes | — |
| 2 | Splitwise | 7.3 | Free plan | Free | Yes | — | Yes | Yes |
| 3 | Wise | 7.3 | Free plan | Free | Yes | — | — | — |
| 4 | PicPay | 7.2 | Free plan | Free | Yes | — | — | — |
| 5 | OPay | 7.1 | Free plan | Free | Yes | — | — | Yes |
| 6 | PhonePe | 7.1 | Free plan | Free | Yes | — | — | — |
| 7 | Remitly | 7.1 | Free plan | Free | — | — | — | — |
| 8 | Venmo | 7.1 | Free plan | Free | Yes | — | — | — |
| 9 | Zelle | 7.1 | Free plan | Free | Yes | — | — | — |
| 10 | Cash App Taxes | 7.0 | Free plan | Free | Yes | — | — | — |
| 11 | PayPay | 7.0 | Free plan | $1,980/mo | Yes | — | — | — |
| 12 | WorldRemit | 7.0 | No | — | — | — | — | — |
| 13 | Lydia | 6.9 | Free plan | Free | Yes | — | Yes | Yes |
| 14 | MobilePay | 6.9 | Free plan | Free | Yes | — | Yes | Yes |
| 15 | PalmPay | 6.9 | No | — | Yes | — | Yes | — |
| 16 | tricount | 6.9 | Free plan | Free | Yes | — | Yes | Yes |
| 17 | Airtel Money | 6.8 | Free plan | Free | Yes | — | — | — |
| 18 | BHIM | 6.8 | Free plan | Free | Yes | — | Yes | Yes |
| 19 | Vipps | 6.7 | No | NOK 300/mo | Yes | — | Yes | Yes |
| 20 | Xoom | 6.7 | No | — | — | — | — | — |
| 21 | MoneyGram | 6.6 | No | — | No | — | — | — |
| 22 | Paysend | 6.1 | No | — | — | — | — | — |
| 23 | Taptap Send | 6.0 | No | — | — | — | — | — |
| 24 | M-PESA | 5.8 | No | — | — | — | — | — |
Is your tool 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 Specifiction?
Settle Up is ranked #1 of 24 with a score of 7.6. Splitwise is second and Wise third.
How many of these have a free plan?
16 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, the fullest spec sheet first: how deeply the product is documented, the platforms it runs on, a free tier or trial to test it, and its standing.
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