Compare the Top Mobile Payment Apps in Australia as of October 2026

What are Mobile Payment Apps in Australia?

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 Australia currently available using the table below. This list is updated regularly.

  • 1
    Paywint

    Paywint

    Paywint

    Paywint is a Digital Wallet to Request, Send & Receive Money Instantly. Link multiple Bank Accounts and Debit or Credit Cards. Share a unique Payment Link, QR Code, or Pay Tag to receive money from anyone. Download from the Apple Store or Google Play Store, or use a Web Browser online. Ultra Secured with Encryption and AI-powered fraud detection. Integrate Apple Pay, Google Pay, PayPal, CashApp, Zelle, and Venmo seamlessly for real-time funding or withdrawal. Students, Travellers, Workers, and Freelancers can pay Family, Friends, and Business partners in other countries. Small Business Owners can make Vendor Payments, Customer Payments, Payroll etc. Wallet supports Multi Currency and Multi Language. Open a Digital Bank Account and get a Virtual or Physical Card. Group Payments and Bill-splitting with Shared Wallets for Family/Friends/Group Accounts. Real-Time Alerts for every Transaction via Text, Email, Push, etc. Multiple Accounts for Merchants, with Multi-User Access.
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    Starting Price: $0
  • 2
    Razorpay

    Razorpay

    Razorpay

    Power your finance, grow your business. Accept payments from customers. Automate payouts to vendors & employees. Never run out of working capital. Mix and match products from Razorpay's payment suite to solve for your exact business use case. With the easiest integration, completely online onboarding, feature filled checkout and best in class performance, quickly go live with Razorpay and experience the future of payments. Razorpay Payment Pages is the easiest way to accept payments with a custom-branded online store. Accept international and domestic payments with automated payment receipts. Take your store online instantly with zero coding. Preparation is everything! Use hosted Event Registration to quickly register event attendees online and send automated receipts. Raising money for a good cause? Our hosted Donations page saves you valuable time by automatically sending personalized 80G receipts.
  • 3
    Swish

    Swish

    Swish

    8 million Swedes have Swish, from friends and families to large companies and small associations, who appreciate simple, fast, and secure payments in their everyday lives. Money straight into your bank account. Forget about long account numbers. With Swish, payments are made with your phone number. Avoid long queues and misspelled numbers by letting customers scan your QR code. Here you can generate your own QR codes for download or print. The banks are responsible for designing offers, conditions, and any fees for Swish to their customers. You will find more information about the terms and conditions that apply to your bank on their website. With 8 million private users and over 300,000 connected companies, Swish is the most popular mobile payment service in Sweden. Connect your phone number to your bank account and enjoy the possibility of sending real-time payments, anywhere, anytime.
    Starting Price: Free
  • 4
    Postepay

    Postepay

    Postepay

    With IBAN you credit salary or pension directly on the prepaid card, send and receive wire transfers. Give us the utilities and pay for the bulletins. Contactless and online pay with Apple Pay with Google Pay. You pay online and in stores, both in Italy and abroad, using only your smartphone. With IBAN you credit your salary or pension directly on the card, and you have and receive wire transfers. Shop in Italy and abroad, and on VISA-affiliated websites. Pay online and authorize your purchases in the app. Download the Postepay app for free and request the prepaid card that best suits your needs directly in the app. With the Postepay connect offer, you also receive the SIM PosteMobile with the telephone plan you have chosen. Receive your new Postepay prepaid card at the address indicated by you and, if you have chosen the Postepay Connect offer, you also receive the PosteMobile SIM together. Activate them online or in the app and immediately start using them.
    Starting Price: €5 per month
  • 5
    Alipay Plus
    A suite of cross-border mobile payment and digitalization technology solutions connecting global brands with mobile-savvy consumers worldwide. Access multiple e-wallets and payment methods worldwide on a single platform. Cross-border payments and digitalized solutions from Alipay+ enable consumers to pay like a local, using their preferred digital wallets and banking apps with millions of businesses. A one-time integration with Alipay+ aggregates mobile payment apps serving over 1 billion users, bringing your merchants more benefits. Alipay+ removes the hassle of negotiation and individual contract signing with each mobile payment method, as well as separate integrations each time a new method is introduced. With Alipay+, there's no need to worry about different specifications, currencies, and terms. Online and in-store checkout acceptance. A single integration for multiple payment methods.
    Starting Price: Free
  • 6
    TrueMoney

    TrueMoney

    TrueMoney

    TrueMoney is Thailand’s leading financial application for all mobile network users (AIS, Dtac, TrueMove H). Our all-in-one app lets you securely make cashless and cardless payments for all your everyday needs, including mobile top-ups, bill payments, online and offline purchases, and much more. Enrich your daily life, and enjoy exclusive promotions and discounts across a wide variety of merchants and services. Simplify your finances for more possibilities with a high-yield saving account with cashback after spending, buy now pay later, insurance, and investment in various assets. We also empower businesses of all sizes and help SME entrepreneurs to grow their businesses. Pay with confidence knowing that your information is fully encrypted, secured, and protected. Pay with your wallet balance, link a credit/debit card shop at offline stores, or pay bills. Pay online with confidence as you can control payment within the amount that you top-up.
    Starting Price: Free
  • 7
    Touch 'n Go

    Touch 'n Go

    Touch 'n Go

    Touch ‘n Go app allows you to take all your retail needs online. Order food delivery, buy tickets to your next getaway or weekend activity, upgrade your app collection, or even shop on one of the biggest ecommerce platforms in Malaysia all through the app. Your online shopping experience has just gotten better with a simple and secure purchase process. There is no longer a need to leave your home and face crowds when it all can be done through your phone. Have access to some of Malaysia’s most sought-after brands and stores when you shop through the Touch ‘n Go app. You can now enjoy the convenience of transferring funds from participating banks directly to the account of loved ones simply by entering their mobile phone number or account number. Plan your next activity with the Touch ‘n Go app. With just the recipient’s mobile phone number, you can make an instant fund transfer to your family & friends.
    Starting Price: $44.93 per month
  • 8
    QUICPay
    JCB developed the contactless payment product QUICPay with the aim of faster, more convenient, signature-free payment for the Japanese market. Consumers can use QUICPay at major convenience stores, gas stations, supermarkets, and a wide variety of other shopping venues in Japan. Contactless technology has become a popular payment style in Japanese urban life. With QUICPay, JCB cardmembers now have more options for small-value payments. JCB is promoting QUICPay further to expand the boundaries of the credit market.
    Starting Price: Free
  • 9
    BHIM

    BHIM

    BHIM

    Bharat Interface for Money (BHIM) is a payment application developed by the National Payments Corporation of India (NPCI) to facilitate simple, easy, and quick transactions using the Unified Payments Interface (UPI). With BHIM, users can make direct bank payments to anyone on UPI by entering their UPI ID or scanning their QR code. The app also allows users to request money through a UPI ID. Key features of BHIM include the ability to send and request money, scan and pay via QR codes, view transaction history, manage profiles, and link multiple bank accounts. The app supports 24/7 transactions and offers a secure platform for users to manage their finances. Additionally, BHIM provides services like UPI AUTOPAY for setting recurring payments and enabling transactions without an internet connection.
    Starting Price: Free
  • 10
    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
  • 11
    OnePay

    OnePay

    OnePay

    OnePay is a financial technology app designed to help users manage, save, and grow their money in one place. It offers a range of services including cash accounts, credit building tools, investing, and cryptocurrency trading. Users can earn rewards such as cash back on purchases, especially through Walmart-related benefits. The platform also provides features like early pay access, high-yield savings, and no monthly fees. OnePay includes a Credit Builder Loan that helps users improve their credit history with minimal cost. It allows flexible payment options, including buy now, pay later services for purchases. By combining multiple financial tools into one app, OnePay simplifies everyday money management.
    Starting Price: Free
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    MSS Payments

    MSS Payments

    MSS Payments

    MSS Payments digital wallet has both a software and information component. The software provides security and encryption for the personal information and for the actual transaction. Our Digital Wallets offer real-time transactions to ease up our clients payment processes. Apart from digitized payments, our digital wallets are easily self-maintained and fully compatible with most e commerce/m commerce websites. Our Digital Wallet ensures the safety of your money and also offers various perks such as reward coupons, loyalty points, membership and score value prepaid cards. You can avoid the hassle of mobile bills and visiting shops for prepaid top-ups. You can top up mobile airtime anywhere through your phones, handsets, across carriers as well as in real time. You can explore business opportunities and expand your network and connect with banks, retailers and carriers to open up engagement opportunities.
  • 13
    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.
  • 14
    UnionPay

    UnionPay

    UnionPay

    UnionPay International (UPI) is a subsidiary of China UnionPay focused on the growth and support of UnionPay’s global business. In partnership with more than 2400 institutions worldwide, UnionPay International has enabled card acceptance in 180 countries and regions with issuance in 70 countries and regions. UnionPay International provides high quality, cost effective and secure cross-border payment services to the world’s largest cardholder base and ensures convenient local services to a growing number of global UnionPay cardholders and merchants. At present, more than 10 million overseas online merchants accept UnionPay Online Payment. These merchants are based in 200 countries and regions, including Hong Kong, Macau, Europe, the US, Japan, South Korea, covering fields of retail, online travel booking, tuition payment, airline reservation etc. UnionPay online payment is designed to ensure the safety of cross-border online payment.
  • 15
    Maya

    Maya

    Maya

    Instantly get a secure Virtual Card for all your online buys just by downloading an app. For faster, more efficient, and cost-effective operations, streamline and simplify your payroll needs with Maya. Download the app, register, and get your very own Visa or Mastercard in a snap! Use your PayMaya app to scan a merchant's QR code to instantly acquire their account details, and send your payment directly to their PayMaya wallet. You can use this card at any establishment both locally and abroad, as long as they accept credit or debit cards. This shares the same balance as your Maya account and has an EMV chip for added security. You can even view your transaction history in the app! Equip your business with an integrated POS, QR acceptance, or online checkout systems. Get the latest innovations in payments systems with Maya. Add money with cash at over 40,000 partner nationwide and get shopping!
  • 16
    GrabPay
    Find digging your wallet for cash a hassle? Just scan the merchant's QR code to pay. Invest from your GrabPay Wallet starting with as little as $1. Check out AutoInvest by GrabInvest. Eligible transactions only stay on top of your spending with instant payment notifications and detailed transaction history. The next time you shop, pay close attention. GrabPay may be offering an awesome deal at your favourite store. Ride, dine, shop and more. All with your everyday everything app. Each GrabPay transaction earns you GrabRewards points, which you can use to redeem attractive rewards. Not sure what to do with your GrabRewards points? Why not offset your payment at a GrabPay merchant? Partnerships with trusted e-payment companies. All your personal information and payment transactions are encrypted and protected with a 24/7 fraud detection engine so you can ride, dine, shop and more, worry-free.
  • 17
    Fidesmo Pay
    Trusted by the world’s leading payment schemes – Visa and Mastercard – Fidesmo provides oen of the most simple, scalable and secure platforms for tokenized payment. We enable a secure and convenient way to tokenize payment cards onto a variety of devices containing a secure element. We collaborate with more than 800 issuing banks offering their customers Fidesmo Pay to easily and securely tokenize their payment cards to any device. Fidesmo Pay is a pure software platform that allows device manufacturers to select which secure element they prefer based on their device features. Fidesmo Pay is future-proof and is constantly onboarding more and more banks and payment schemes allowing for device manufacturers to focus on business and commercial development rather than integrations. The Fidesmo Pay platform also for full white label solutions and customisations.
  • 18
    PayID

    PayID

    PayID

    PayID is a fast and secure payment service that allows you to use your mobile number, email address, Australian Business Number (ABN), or identifier to receive payments. By registering a PayID with your bank, you can link it to your preferred bank account, making it easier for others to send you money without needing your BSB and account number. When someone pays to your PayID, they will see the name associated with it, ensuring the funds are sent to the correct recipient. Payments made using PayID are typically processed in under a minute, even between different banks, though some transactions may be subject to security checks that could cause slight delays. PayID is offered by over 100 banks, credit unions, building societies, and other organizations, and can be managed through your online banking platform. You can create multiple PayIDs linked to different accounts, providing flexibility in managing your finances.
  • 19
    DANA

    DANA

    DANA

    Pay for anything & everything with just a tap of your finger. Experience the convenience of carrying out transactions with ease, from bills, eCommerce payments, to barcode scans in marchants. Switch to DANA Digital wallet for faster, safer & more practical payment methods. Transact with ease, send money, buy pulsa, pay bills and eCommerce purchases. DANA has a world class security technology that provides 24 hours protection for all network systems. DANA ensures 100% secured protection with money back guarantee. Guaranteed protection of all DANA balance & saved payment devices. Get to know our easy to use & hassle free features to make your transactions faster. Grow your business with an effortless payment system solution with DANA Bisnis and DANA Enterprise. Experience the effortless transaction through the DANA payment system that is connected to the merchant’s transaction system. Every transaction is safe and guaranteed with technology and security owned by DANA.
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