Compare the Top Mobile Payment Apps in Europe as of March 2026

What are Mobile Payment Apps in Europe?

Mobile payment apps allow users to make payments, transfer money, and manage their finances directly from their smartphones or other mobile devices. These apps use secure technology, such as tokenization or biometric authentication, to ensure that transactions are safe and private. Mobile payment solutions can be used for in-person transactions via QR codes or near-field communication (NFC), as well as for online purchases and peer-to-peer money transfers. Popular features often include bill payments, money transfers, loyalty rewards, and transaction history tracking. Mobile payment apps are increasingly popular due to their convenience, security, and ability to facilitate faster transactions, making them essential tools for consumers and businesses alike. Compare and read user reviews of the best Mobile Payment apps in Europe currently available using the table below. This list is updated regularly.

  • 1
    Google Pay
    Google Pay is the fast, simple way to pay online or make contactless payments with your phone. Your payment info is protected with multiple layers of security so you can pay with peace of mind – all the time. See where you’ve made the most recent transactions, right on your home screen. Find past purchases, loyalty cards, offers - even online ordering - all in one place. Keep credit cards, debit cards, transit passes, and more on your phone for quick, easy access. Bring your accounts together for a clearer view of what you have, what you’ve spent, and recent activity. Easily find past purchases from weekend getaways, past payments, and tickets you saved in your wallet. And if you choose, you can link your bank account, Gmail, and Google Photos to search even more transactions.
  • 2
    Blockonomics

    Blockonomics

    Blockonomics

    Blockonomics enables online stores to accept bitcoin payments on their website. The payments go directly to your BTC wallet making it completely decentralized. There is no KYC involved and no limitation on the BTC amount that can be received. The entire setup takes less than 5 minutes and you get a beautiful checkout experience with the payment screen that integrates with your website's theme, additionally, there are no redirects to an external page to complete the checkout. Plugins are available for all major website builders and payment API for custom websites. Blockonomics also offer payment buttons that can be embedded on any custom website and payment links that are easily shared online. Additional services include bitcoin invoices and block explorer. There are a variety of tutorials available to get you started plus a 24 X 7 live support. Blockonomics charges a nominal fee of 1% for all transactions with the first 20 transactions free. Download the free plugin now.
    Leader badge
    Starting Price: 20 Free Transactions + 1% Fee
  • 3
    Venmo

    Venmo

    PayPal

    Pay friends and family with a Venmo account using money you have in Venmo, or link your bank account or debit card quickly. Send money and make purchases at approved merchants. Remember the moments you share with friends. Split dinner, send a birthday gift, or just say hello. Move money from Venmo to your bank account. We use encryption to help protect your account information and monitor your account activity to help identify unauthorized transactions. Pay family and friends with Venmo accounts using a phone number or email. If they don't have a Venmo account, they'll just need to create one. Find friends automatically by syncing your Facebook or phone contacts. When you send money using your Venmo balance, bank account, debit card or prepaid card, we waive fees so it’s free. Our standard 3% fee applies to credit cards. Receiving money and making purchases in other apps is always free.
    Leader badge
    Starting Price: Free
  • 4
    PayPal

    PayPal

    PayPal

    9 million merchants rely on PayPal to build, run, and grow their business. Get the tools, products, financing, and support you need to help establish or grow your business – from processing payments and building a website to shipping and marketing. We even give you access to business loans* that can provide merchant funding to help you start and drive future growth. Get paid online or in-person. Whether you need online invoicing, a customized checkout for your website, or a card reader for processing on-the-go transactions, we have a solution for your business. Choose from a selection of products and services designed to simplify your day-to-day operations, like tools for tracking payments, printing shipping labels, and so much more. Explore merchant lending options that can provide you with fast access to the money your business needs now, plus a way to offer your customers financing that lets them pay over time, while you get paid upfront.
    Leader badge
    Starting Price: Free
  • 5
    Facebook Messenger
    Turn conversation into customer loyalty with Messenger. Messenger helps you simplify customer acquisition by providing a direct, conversational way for people to take action where they already spend their time. Building a presence on Messenger allows people to browse your products and services, and purchase them directly in the conversation. Building an experience on Messenger can help get your business, product or service in front of more people. Whether you’re launching a new product or driving awareness, conversation creates a meaningful connection with your business. Integrating Messenger into a customer service strategy allows customers to communicate with your business on their terms. No more waiting on hold or keeping website windows open. And the conversation stays in Messenger, an easily accessible spot for questions and re-engagement.
  • 6
    Splitwise

    Splitwise

    Splitwise

    Keep track of expenses and balances shared with roommates, travel partners, groups, friends, and family. Control shared expenses and balances and who owes whom. Divide expenses with any group, travel, roommates, friends, and family. Add expenses quickly on the go before forgetting who has paid. Settle debts with friends and record any cash or online payments. Get better organized with receipt scanning, charts and tables, currency conversion, and more. Splitwise is the easiest way to share expenses with friends and family and stop stressing about “who owes who”. Millions of people around the world use Splitwise to organize group bills for households, trips, and more. Our mission is to reduce the stress and awkwardness that money places on our most important relationships. Add expenses, IOUs, or informal debts in any currency, with support for offline entry. Expenses are backed up online so everyone can log in, view their balances, and add expenses.
    Starting Price: Free
  • 7
    Settle Up

    Settle Up

    Settle Up

    Settle Up is a group expense tracker that is available as a web app, iOS app, Android app, and voice assistant app. It keeps track of your group's expenses, making it ideal for travelers, flatmates, couples, and others. All expenses are backed up and synced across the group, allowing each member to view them. The app shows who should pay next and minimizes transactions, reducing disputes over bills. Settle Up supports multiple languages and offers features like recurring transactions, income entries, and exchange rate management. It also integrates with Google Assistant, Alexa, and Cortana for voice command functionalities. Users can import groups from other apps, such as Splitwise, and automate recurring expenses. The platform provides an API for developers and supports Bitcoin payments for settling debts.
    Starting Price: Free
  • 8
    GigaIOT

    GigaIOT

    GigaIOT

    Contact your friends and family anywhere for free on an all in one social payments platform. Send text messages, emojis, voice notes, images, videos and files privately to your friends and family. Keep in touch with your favourite groups of people, family, friends and work colleagues. Share text messages, emojis, voice notes, images, videos and files. Platform encryption to protect conversation privacy. Integrate with Visa card, Master card, Paypal, Ecocash etc. Bank-level security, access to bank depository systems, compliance, security. P2P transfer, group transfer, donations, rewards, pay biller, pay merchant, top up mobile balance, pay for utilities. On a social payments platform that offer an open API for business partner integration to deliver more fun. Share your memorable moments and express them in a lot of ways, text, photos, video, voice notes. Your friends can click and purchase commodities you post or share on your moments timeline.
  • 9
    QFPay

    QFPay

    QFPay

    We enable local and cross-border mobile payments for online and offline retailers around the world. Process payments via all sales channels. We provide solutions for an omnichannel shopping experience. Enrich the customer experience with digital payment methods at every touchpoint which allow for quick and convenient purchases. Accept all payment methods your customers like. Our gateway provides access to domestic and international digital wallets as well as credit cards. Serve both your local audience and tourists from around the world with a push of a few buttons. Customers spend more if they can pay for purchases with their phones. We combine payments with powerful marketing that makes your presence more visible to locals and travellers. Grow sales revenue by enhancing the checkout experience. QF Pay has been established since 2011 and over the years we have built a global network of merchants, customers, mobile wallets and financial institutions.
  • 10
    Bakkt

    Bakkt

    Bakkt

    Bakkt is a digital asset platform that enables individuals and businesses to buy, sell, and manage a wide range of digital assets, from cryptocurrencies to loyalty points. Founded in 2018 by Intercontinental Exchange (ICE), Bakkt initially focused on institutional cryptocurrency trading and secure storage solutions. Over time, it expanded its services to support a broader vision of digital asset accessibility, providing a platform that bridges digital currencies and traditional financial systems. Bakkt’s offerings include a mobile app for consumers, enabling them to manage digital assets, convert points and rewards into cash, and make everyday purchases using cryptocurrencies. The platform also facilitates business solutions by enabling companies to integrate digital asset options into their products and services, enhancing customer engagement and loyalty. Bakkt aims to simplify the digital asset ecosystem and drive mainstream adoption through secure, and regulated solution.
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