Top Free Payments Apps

Independently reviewed

Updated October 7, 2026

Whether you're a startup or enterprise, these Free Payments software help teams work faster. Compare ratings, pricing, features and integrations below to find the best fit for 2026.

Start with the top-ranked apps, then refine by pricing, platform and features.

Chime

5.0

Best Fintech App

Fee-free banking with early pay and mobile-first account access. Chime is a payments app built around fee-free banking, early pay, and mobile account access.

Pricing

Free plan

Best for

Solo creators SMB marketing teams freelancers

Platforms

Web app iOS (iPhone & iPad) Android

Recently added

tiun

Auth, payments and customer data in one merchant-of-record stack

3.0

Usage-based$0

Web app
API / SDK

CREEM

Merchant of record for software, with tax handled in 50+ countries

3.0

Usage-based3.9% + $0.40

Web app
API / SDK
CLI / Terminal

Best Fintech App

Chime

Fee-free banking with early pay and mobile-first account access.

5.0

Free plan

Web app
iOS (iPhone & iPad)
Android

Stripe

Payments infrastructure for internet businesses

4.6

Usage-based2.9% + 30¢ per transaction

Web app

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All Payments apps

Chime

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Chime

Recently added

tiun

CREEM

Chime

Stripe

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