Best Digital Wallets in the USA
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Compare the Top Digital Wallets in the USA as of July 2025
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What are Digital Wallets in the USA?
Digital wallets are apps that enable users to store and use credit cards, debit cards, passes, tickets, ID cards, gift cards, reservations, boarding passes, coupons, membership cards, and more. Digital wallets are more secure and convenient than traditional physical wallets, and can be used to make payments, transfer money, and display other cards right from the user's smartphone. Compare and read user reviews of the best Digital Wallets in the USA currently available using the table below. This list is updated regularly.
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1
Google Pay
Google
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
Apple Pay
Apple
Apple Pay is easy and works with the Apple devices you use every day. You can make contactless, secure purchases in stores, in apps, and on the web. And you can send and receive money from friends and family right in Messages. Apple Pay is a safer way to pay, and even simpler than using your physical card. Using Apple Pay with your iPhone or Apple Watch is quick and secure. It’s a safer way to pay that helps you avoid touching buttons or exchanging cash. Use Apple Pay on the App Store to buy apps and games, or within apps to pay for a ride, a pizza delivery, or a new pair of sneakers — with just a touch or a glance. You can also use Apple Pay for a subscription to Apple Music, Apple News+, and Apple Arcade. Or for upgraded iCloud storage and other Apple services. When you’re making purchases on the web in Safari on your iPhone, iPad, or Mac, you can use Apple Pay without having to create an account or fill out lengthy forms. -
3
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.Starting Price: Free -
4
Amazon Pay
Amazon
Amazon Pay makes it simple for hundreds of millions of customers around the globe to pay for products and services using the information already stored in their Amazon accounts. To make a payment, you can use any of the payment methods in your Amazon account. The Amazon Pay checkout solution increases shopper engagement, brand visibility, and security for your business, letting hundreds of millions of Amazon customers pay their way, every day. Amazon Pay is a service offered to Amazon customers, and you are enabled to use it wherever you see it — whether that is clicking the Amazon Pay button when checking out on your favorite online stores, managing your payment methods in your account on Amazon.com or using Amazon Pay on Alexa. There are no additional sign-ups or sign-ins. Your transactions are safe and secure, and everything can be tracked in your Amazon account. -
5
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.Starting Price: Free -
6
NETELLER
NETELLER
Pay online, send money or buy and sell cryptocurrencies, all while earning loyalty points you can exchange for rewards. Level up, drop fees, unlock rewards, and pay online with confidence. You can trust NETELLER for fast and secure online payments. Paying with NETELLER is always instant, secure and free. Enjoy a new look, fresh features and an upgraded mobile app, so you can send and spend with ease. The NETELLER multicurrency account lets you keep track of your balance wherever you are, in whatever currency you're using. Whether you’re splitting a bill or sending a gift, just upload your contacts and you can send and receive money with ease. Enter the exciting world of crypto trading with NETELLER’s built-in platform. Trade on the go with the app, or set up automatic or recurring orders, so you never miss an opportunity. Whether you’re making financial connections with friends, family, businesses or sites you love, just using NETELLER lets you earn points you can exchange for rewards. -
7
WeChat
Tencent
Whether you want to send messages or share photos and videos, you can chat freely through WeChat. Wherever you go, you can immediately get in touch with the people you care about using WeChat. Search and add friends directly via WeChat ID or mobile number. Start chatting once your friend request has been accepted. On Moments, you can share your life's favorite experiences using photos or videos with your friends, and also see your friends' Moments at any time. Let's share on Moments! Get face-to-face with your friends and family instantly via WeChat. WeChat allows you make free video and voice calls no matter where you are with one friend or a group of friends. If you're unable to express your feelings in words, then send a sticker to make your chats more fun. Designed by talented artists around the globe, WeChat's Sticker Gallery offers users free downloads and sending of countless fun stickers. Come and select your favorite stickers to chat with your friends!Starting Price: Free -
8
WaPaS
WaPaS
All-in-One Solution: Acquire, engage, and retain customers with our Refer & Earn program, user friendly loyalty and rewards, and reliable transaction tracking. A comprehensive loyalty program is a powerful tool for businesses seeking to enhance customer engagement, drive repeat purchases, and foster brand loyalty. When integrated with a Wallet and Promotion as a Service (WaPaS) platform, businesses can leverage the combined benefits of digital wallets, customer engagement strategies, and multi-level marketing (MLM) to create a dynamic ecosystem that incentivizes and rewards customer behavior. -
9
Sila
Sila
Sila is an end-to-end payment platform that provides Banking-as-a-Service through a developer-friendly payment API that is scalable and allows for fast and secure money transfers. Sila’s payment platform streamlines building and launching fintech apps and embedded payment products for financial products, fintech, crypto, and Web3. Sila’s offerings include Virtual Accounts, Digital Wallets, KYC/KYB, and ACH payments APIs for software teams. Additional functionality is available through a network of pre-approved and pre-integrated partners (to different degrees). Sila was recognized as the Best Payments as a Service Platform by the 2022 Embedded Banking Awards of Tearsheet. Sila is headquartered in Portland, Oregon. -
10
Apple Wallet
Apple
The Wallet app lives right on your iPhone. It’s where you securely keep your credit and debit cards, driver’s license or state ID, transit cards, event tickets, keys, and more — all in one place. And it all works with iPhone or Apple Watch, so you can take less with you but always bring more. Wallet takes full advantage of the privacy and security built into iPhone, which is designed to protect your identity and keep what’s yours yours. When you make a purchase, Apple Pay uses a unique transaction code, so your card number is never shared with a merchant or put on Apple servers. And there’s no need to carry physical cards or touch buttons in stores. So it’s safe to say you’ll feel safer.Starting Price: Free -
11
Cash App
Block, Inc.
The Cash App lets you easily send or receive payments to anyone via a simple mobile application. The Cash App also lets you buy Bitcoin, and the Cash App works without a bank account. Send and receive money anytime, anywhere. It’s fast and free, and a $cashtag is all you need to get started. With a Cash App account, you can receive paychecks up to 2 days early. Get 3 free ATM withdrawals per month when you have at least $300 coming in each month. Whether you’re just getting started or already a pro, Cash App makes it easy to invest in stocks and bitcoin. Cash App uses advanced security features to protect millions of people and payments each year. From verification locks to data encryption, we take steps to make sure your money and information are safe. -
12
Stocard
Stocard
Add all your loyalty cards, collect rewards, get personalized offers and pay with your phone! Turn your phone into your wallet and redefine your everyday shopping experience. From the biggest supermarket to your local flower shop - you can add the card to Stocard. Organizing your cards has never been this easy. Enjoy a curated selection of exclusive offers to get you inspired for your next shopping trip. Redeem personalized coupons automatically with your purchase. With our Card Assistant you never forget to use your card. It will show right on your lock screen when you are in a store. -
13
PayDo
PayDo
PayDo is a payment ecosystem pursuing the philosophy of providing all payment solutions in one place. Designed for the needs of different industries. PayDo is all about dedicated multicurrency IBANs, high-risk-friendly payments, and global reach at its best. Works with 28 industries, both B2B and B2C, as well as across 150+ destinations. ● Multicurrency Dedicated IBANs ● Nine Payment Schemes ● High-Risk-Friendly Payments ● No Hidden Fees and No Volume Limits ● Curacao and Other Licenses ● Instant Settlements ● Zero Chargebacks ● No Rolling Reserves ● 350+ Payment Methods ● Mastercard Principal Membership ● SWIFT Direct Participation ● All of the Above with One Contract Signed -
14
Zelle
Early Warning Services
Zelle® is a fast, safe, easy and contact-free way to send and receive money with friends, family and others you trust. You can receive money directly into your bank account in minutes. Get started by enrolling your email or U.S. mobile number through your mobile banking app or with the Zelle app. Enter the preferred email address or U.S. mobile number of the recipient. You can send money to almost anyone1 you know and trust with a bank account in the U.S. Enter the amount to send. Your recipient gets a notification explaining how to complete the payment, simply and quickly. You can send money with Zelle for all kinds of things. And, did we mention it’s fast? Like money-straight-into-your-bank-account-in-minutes fast. Watch to learn more and how you can Pay it Safe when using Zelle. Whether you’re settling up IOUs or splitting the cost of takeout, you can send money to someone you trust in minutes directly to their bank account with Zelle. -
15
Uphold
Uphold Inc.
Uphold is a digital wallet and trading platform that makes cryptocurrencies and other assets affordable and accessible for everyone. We provide borderless access to financial services you can’t get through your bank. Covering 28 cryptos, 27 national currencies, six stablecoins and four precious metals, we allow both consumers and businesses to easily transact between digital and traditional currencies, with full integration between old and new money systems. -
16
Airtm
Airtm
Protect your money in digital dollars without losing value from unstable currencies or possible devaluations. Send and receive money anywhere, faster than a bank transfer and with free market rates. Get paid from freelancer platforms or directly from clients. Convert your money stuck in e-wallets to cash in your bank. Keep your digital dollars with you at all times. Make in person purchases for local goods and services. Exchange your dollars for cryptocurrencies. Add and withdraw using your bank account, debit card, BTC, ETH and more. Send money across borders at real exchange rates without restrictions. Escrowed transactions and verified experienced peers. Our support team and peer network at your service. Escrowed transactions and verified experienced peers. Send money across borders at real exchange rates without restrictions. We are regulated in the United States by FinCEN. We have all the security protocols. The best part: your account has no maintenance fees. -
17
Samsung Wallet
Samsung
Samsung Pay is now part of Samsung Wallet. Upgrade to Samsung Wallet now to get all the new features and the simplified app experience. Keep your essentials conveniently and securely in your phone. Samsung Pay lets you put your favorite cards on your devices so you can check out in-store, in-app, or online easily. Samsung Pass offers ‘identity management as-a-service, enabling secure access through biometric authentication. Use your biometric data to log in to your apps and services. Keep select home and car keys in Samsung Wallet. Unlock your home or car, and even start your car, from your phone. With Vaccine Pass, you can add your vaccine record to Samsung Wallet through one of our partners. It’s quick, convenient, and secure. View cryptocurrency prices and your cryptocurrency balances with digital asset management. Samsung Wallet will continually add and enhance features. Sign up below to get the latest updates when they are released.Starting Price: Free -
18
WeChat Pay
Tencent
WeChat Pay has become a part of daily life. With WeChat Pay enabled on mobile phone, users can make transaction payments at anytime and anywhere. Wallet is not required any more. In China, WeChat Pay is supported almost everywhere, such as in ordering taxi, supermarkets, and hospitals. Make connections with Chinese shoppers WeChat Pay connects overseas vendors directly to Chinese consumers for more business opportunities. When Chinese costumers buy goods in foreign country, they can follow vendors' Official Account to pay their transactions.Starting Price: Free -
19
DigiPay.Guru
DigiPay.Guru
DigiPay.Guru is a globally fintech solution provider that offers advanced digital payment solutions to banks, fintechs, financial institutions, NBFCs, and businesses. Our comprehensive suite called DG Bank provides products and services such as Mobile Money, Agency Banking, International Remittance, eKYC, Prepaid Cards, Merchant Acquiring, and Scan & Thru.Starting Price: $500 -
20
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 -
21
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 -
22
One
One Finance, Inc.
One is a financial technology company, not a bank. One offers a range of features, including debit rewards, early pay, high-yield savings, and no monthly fees. Customers can earn 3% cash back in-store and online at Walmart, up to $50 a year, with eligible deposits. The platform has helped over 500,000 people take control of their credit by providing free weekly credit score insights and a credit builder program with zero fees or interest. One's mobile app is available for download on the App Store and Google Play Store, allowing users to manage their accounts conveniently. The company has partnered with Coastal Community Bank to provide banking services, ensuring that approved deposit accounts are FDIC insured up to $250,000 per depositor through pass-through insurance at Coastal Community Bank, Member FDIC, if certain conditions have been met.Starting Price: Free -
23
Best Wallet
Best Web3
Best Wallet is a non-custodial cryptocurrency wallet that emphasizes security and user privacy by eliminating the need for verification, ID, or KYC procedures. It supports over 60 blockchain networks, allowing users to buy, store, deposit, send, swap, and sell a wide range of cryptocurrencies, including Bitcoin, Ethereum, and Solana. The wallet integrates features such as an address book for easy transactions, decentralized account recovery, and advanced anti-fraud mechanisms to enhance user experience and security. Additionally, Best Wallet offers multi-wallet functionality, enabling users to manage multiple crypto wallets within a single app, and provides access to services like staking, spending via the Best Card with up to 8% cashback, and participation in token launchpads. Holding the platform's native $BEST token grants users reduced transaction fees and other benefits across the ecosystem.Starting Price: Free -
24
Masterpass
Masterpass
MasterPass™ by MasterCard® is an easy way to checkout online. It stores all of your payment and shipping information in one convenient and secure place. With MasterPass, you simply shop, click and check out. Masterpass is a digital payment service that allows you to check out faster by storing all of your payment and shipping information in one secure location. Masterpass by Mastercard is a digital wallet service that makes online shopping easy, secure, and convenient. Masterpass stores all your payment and shipping information in one central, secure location. With Masterpass, you can shop, click, and checkout fast online. Your account security is our top priority. Masterpass is powered by Mastercard, which has a long-standing reputation of trust and security. Our secure servers and technology are designed to protect your information. -
25
Google Wallet
Google
Keep everything protected in one place, no matter where you go with the new Google Wallet. Access essentials like your payments cards, loyalty cards, concert tickets, and more - all from your Android phone. When you add your payment cards to Google Wallet, you can tap to pay anywhere Google Pay is accepted. And know your personal payment details are kept safe and secure. Carry metro cards, plane tickets and bus passes all on your phone. Keep up with changes to departure times with information pulled from Google Search and load your transit card balance directly in Google Maps. That way you’ll know when your funds are running low before it’s too late. Add your loyalty and gift cards to Google Wallet and you'll never miss a chance to save. See all your loyalty cards in one place, so you can save a little with every latte.Starting Price: Free -
26
Zulu
Zulu
Zulu allows you to buy digital dollars very easily and quickly. You can also send, receive and withdraw money quickly. From your local currency to Dollars in an instant, save, request and send money easily and safely. Take control of your financial life, secure transactions, and real-time updates, the future is zulu. It allows anyone to save in Dollars and protect their money from devaluation.Starting Price: Free -
27
Littio
Littio
Open your Littio account and join thousands of people who are already saving their capital in digital dollars. Protect yourself from devaluation in the best way. Receive up to 8% annual cash on your capital in digital dollars and withdraw it whenever you want. No handling fees, no recharge commissions. Your Littio account gives you up to 30 times more than a savings account in pesos, 10 times better than a CDT and it is also in digital dollars. With us, your assets are always the priority, which is why our rate is always below the TRM. Use your Mastercard anywhere in the world - with no hidden costs. Using state-of-the-art technology, digital dollars (USDC) allow savings, payments, transfers and investments backed by US dollars. Read all about the USDC digital dollar issued and backed by Circle and how it is changing finance in the world.Starting Price: Free -
28
Nuggets
Nuggets
Whether you’re a bank, subscription service, telco or logistics company, Nuggets self-sovereign decentralized identity helps you deliver on your regulatory expectations while building competitive advantage. While your consumers enjoy more convenience, confidence and choice. With Nuggets, consumers get back control of their data and you become a champion of trust. Nuggets ties every transaction to a verified self-sovereign decentralized identity. This means the customer is verified as legitimate before they even connect to the service. This is a gold standard in digital identity, through private, secure proof of transactions. Nuggets ties every payment to a verified digital identity, preventing fraudsters from compromising identities online. Payment providers and merchants save money from reduced fraud, as well as delivering all the payment options customers want.Starting Price: Free -
29
PassWallet
Fobi AI
PassWallet is the pioneer and free app specializing in serving Android users to store, organize and update cards, in the most simple and intuitive way. PassWallet can service every type of passes imaginable: boarding passes, transport cards, passes to the movies, theatres, concerts, museums, festivals, theme parks or stadiums, loyalty cards, vouchers and discount coupons in many stores, hotel and car reservations and more!Starting Price: Free -
30
Dwolla
Dwolla
Dwolla, Inc. is a payment services provider powering innovations with sophisticated account-to-account payment solutions. Dwolla’s modern API simplifies the complex process of integrating with the various payment networks to create a single end-to-end solution. Built with developers in mind, Dwolla’s technology gives businesses the ability to program payments on the same day, next day or in real-time directly to bank accounts. Dwolla’s technology can help businesses use a simplified API to help navigate the ACH and RTP® networks without having to start from scratch. Integrating with a white label API is ideal for businesses looking to get their solution to market quickly without having to batch Nacha files. With minimal development, start-ups to Fortune 500 companies can gain efficiency, flexibility and improved cash flow by working with Dwolla.
