Best Apple Pay Alternatives in 2026
Updated
20 tools from digital wallet apps ranked against Apple Pay on the same published basis.
- 1Apple Pay vs Guarda Wallet
- 2Apple Pay vs Monzo
- 3Apple Pay vs Monese
- 4Apple Pay vs Google Pay
- 5Apple Pay vs PayPal Invoicing
- 6Apple Pay vs Wise
- 8Apple Pay vs Coinbase Wallet
- 9Apple Pay vs Neteller
- 10Apple Pay vs PhonePe
- 11Apple Pay vs Venmo
- 12Apple Pay vs GoPay
- 13Apple Pay vs MetaMask
- 14Apple Pay vs Trust Wallet
- 15Apple Pay vs Alipay
- 16Apple Pay vs Cash App Taxes
- 17Apple Pay vs Revolut Business
- 18Apple Pay vs Orange Money
- 19Apple Pay vs Coin Wallet
- 20Apple Pay vs Rainbow
- 21Apple Pay vs eSewa
Apple Pay alternatives compared
| # | Tool | Score | Free plan | From | Runs on |
|---|---|---|---|---|---|
| 1 | Guarda Wallet | 7.7 | Free plan | Free | Android, Browser, iOS, Linux, Mac, Web, Windows |
| 2 | Monzo | 7.6 | Free plan | Free | Android, iOS, Web |
| 3 | Monese | 7.4 | Free plan | £2.50/mo | Android, iOS, Web |
| 4 | Google Pay | 7.3 | Free plan | Free | Android, iOS, Web |
| 5 | PayPal Invoicing | 7.3 | Free plan | Free | Web, iOS, Android |
| 6 | Wise | 7.3 | Free plan | Free | Android, iOS, Web |
| 8 | Coinbase Wallet | 7.1 | Free plan | Free | Android, Browser, iOS, Web |
| 9 | Neteller | 7.1 | Free plan | Free | Android, iOS, Web |
| 10 | PhonePe | 7.1 | Free plan | Free | Android, iOS |
| 11 | Venmo | 7.1 | Free plan | Free | Android, iOS, Web |
| 12 | GoPay | 7.0 | Free plan | Free | Android, iOS |
| 13 | MetaMask | 6.9 | Free plan | $16.58/mo | Android, iOS, Web |
| 14 | Trust Wallet | 6.8 | Free plan | Free | Android, Browser, iOS |
| 15 | Alipay | 6.7 | No | — | Android, iOS |
| 16 | Cash App Taxes | 6.7 | Free plan | Free | Web, iOS, Android |
| 17 | Revolut Business | 6.7 | No | £10/mo | Android, API, iOS, Web |
| 18 | Orange Money | 6.6 | No | — | Android, iOS, Web |
| 19 | Coin Wallet | 6.5 | No | — | Web, Windows, Mac, Linux, iOS, Android |
| 20 | Rainbow | 6.5 | No | — | Web, Windows, Mac, Linux, iOS, Android |
| 21 | eSewa | 6.3 | No | — | Android, iOS, Web |
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Questions about Apple Pay alternatives
What is the best alternative to Apple Pay?
Guarda Wallet, number 1 in digital wallet apps with a score of 7.7 out of 10. The others here: Monzo, Monese, Google Pay and 16 more.
What is the best free alternative to Apple Pay?
Guarda Wallet is the best-ranked alternative with a free plan. 14 of the 20 alternatives here publish a free plan on their own pricing pages.
How are these alternatives 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.