Peer-to-Peer Payment Apps
Alternatives to Settle Up
Settle Up focuses on settling shared costs. It records group expenses and IOUs, handles unequal weighted shares, multiple payers, incomes and itemized bills, then shows who pays next while reducing the number of transactions. Offline work with later synchronization helps when connectivity is limited. Support for all currencies, real-time exchange rates, and group sharing by link or QR code suit trips, households, couples and events. The free plan includes core tracking, filters, statistics, CSV export, backups, widgets and read-only access; premium plans add receipt photos, recurring expenses, custom categories and Excel export.
- 01 Cash App Taxes
It suits filers who want to prepare federal and state returns on a phone or computer, including those with investment or self-employment income.
Free plan Web · iOS · Android · API8.9 Visit Specs - 02 Splitwise
It suits people sharing household or trip costs who need to track balances and divide expenses in different ways.
Free plan Web · iOS · Android · API8.8 Visit Specs - 03
Remitly Remitly suits people sending money internationally who want to compare the exchange rate, fees, and total cost before sending.
Free plan iOS · Android8.7 Visit Specs - 04
OPay OPay suits individuals in Nigeria seeking payment, transfer, card, and savings services, as well as agents and merchants needing payment services.
Free plan iOS · Android · API8.5 Visit Specs - 05
PayPay From $1,980/mo Free plan iOS · Android8.5 Visit Specs - 06
Paysend Web · iOS · Android · API8.5 Visit Specs - 07
PhonePe It suits people in India who want one app for money transfers, bills, recharges, and travel bookings.
Free plan iOS · Android8.3 Visit Specs - 08 Airtel Money
It suits Airtel service customers and anyone with a mobile number on any network who wants wallet payments on Android or iOS.
Free plan iOS · Android8.2 Visit Specs - 09
BHIM It suits people with a bank account, a bank-registered mobile number, and a linked debit card who need UPI transfers, requests, or supported bill payments.
Free plan iOS · Android8.2 Visit Specs - 10
PicPay PicPay suits individuals looking for an app-managed account and payment options, and businesses seeking payment acceptance tools.
Free plan Web · iOS · Android8.1 Visit Specs - 11 Taptap Send
It suits people sending money to friends and family across the listed regions who want to see fees and recipient amounts before confirming.
Free plan iOS · Android8.1 Visit Specs - 12
Wise Wise suits people sending or receiving money internationally who want to see fees before paying and track transfers.
Free plan Web · iOS · Android8.1 Visit Specs - 13
Lydia Lydia suits people who want to send money to contacts or collect contributions for gatherings with friends, family or coworkers.
Free plan iOS · Android7.9 Visit Specs - 14
Venmo Venmo suits people in the United States with a U.S.
Free plan Web · iOS · Android7.9 Visit Specs - 15 MobilePay
It suits individuals who need peer transfers, shared-expense tools, and business payments on Android or iOS.
Free plan iOS · Android7.8 Visit Specs - 16
MoneyGram Web · iOS · Android7.7 Visit Specs - 17
M-PESA iOS · Android7.6 Visit Specs - 18
PalmPay Web · iOS · Android · API7.6 Visit Specs - 19
Zelle Zelle suits people with eligible U.S.
Free plan Web · iOS · Android7.6 Visit Specs - 20 tricount
tricount suits people splitting costs for trips, dinners, shared homes, couples, events, or organized groups.
Free plan iOS · Android7.5 Visit Specs - 21 Vipps From 300 NOK/mo iOS · Android · API7.4 Visit Specs
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WorldRemit WorldRemit suits people sending money internationally who want to see fees and exchange rates before paying, with payout options that vary by destination.
Web · iOS · Android7.1 Visit Specs - 23 Xoom Web · iOS · Android7.1 Visit Specs
Choosing instead of Settle Up
Alternatives make more sense when your needs extend beyond group debt settlement. Settle Up runs on Android, iOS, web and Windows, but another service may add Linux, macOS, account connections, an API or self-hosting. Decide whether you need budgeting, bill tracking, net-worth views, report exports or zero-based planning alongside shared expenses. Compare free access, trials and recurring prices, and check whether synchronization is automatic or manual. The better switch is the product whose money-management emphasis matches your everyday decisions without losing capabilities your groups rely on.