Top Digital Payment Platforms to Use in 2025
As international trade becomes more cashless, digital payment systems are becoming vital resources for both customers and companies. Finding a safe and practical payment method is essential whether you're sending money, conducting business, or shopping online.
APP AVAILABILITY
iOS/Android/Web
COMPANY/PARENT
PayPal Holdings
FEES
Varies by country/2.9%+fixed fee
INTEGRATION OPTIONS
E-commerce/API/Billing
KEY FEATURES
Online payments/P2P transfers/Buyer protection
LAUNCH YEAR
1998
MERCHANT ACCEPTANCE
Both
NOTABLE PARTNERSHIPS/INTEGRATIONS
Shopify/eBay/Google Pay
PLATFORM NAME
PayPal
PLATFORM TYPE
Online Payment Gateway
REGION(S) SUPPORTED
Global
SECURITY MEASURES
2FA/Encryption/PCI DSS
SUMMARY
Global leader in online payments, trusted by millions, strong buyer protection
SUPPORTED CURRENCIES
USD/EUR/GBP/INR/JPY/AUD/others
APP AVAILABILITY
iOS/WatchOS
COMPANY/PARENT
Apple Inc.
FEES
No fees for users/merchant fees apply
INTEGRATION OPTIONS
iOS API/POS
KEY FEATURES
Contactless payments/In-app/Online
LAUNCH YEAR
2014
MERCHANT ACCEPTANCE
Both
NOTABLE PARTNERSHIPS/INTEGRATIONS
Mastercard/Visa/Amex
PLATFORM NAME
Apple Pay
PLATFORM TYPE
Mobile Wallet
REGION(S) SUPPORTED
Global (select countries)
SECURITY MEASURES
Tokenization/Face ID/Touch ID
SUMMARY
Seamless integration with Apple devices, strong security, growing global reach
SUPPORTED CURRENCIES
USD/EUR/GBP/INR/others
APP AVAILABILITY
iOS/Android/Web
COMPANY/PARENT
Google LLC
FEES
No user fees/merchant fees vary
INTEGRATION OPTIONS
API/E-commerce/POS
KEY FEATURES
Contactless payments/P2P/UPI integration
LAUNCH YEAR
2015
MERCHANT ACCEPTANCE
Both
NOTABLE PARTNERSHIPS/INTEGRATIONS
Mastercard/Visa/Indian Banks
PLATFORM NAME
Google Pay
PLATFORM TYPE
Mobile Wallet/UPI
REGION(S) SUPPORTED
Global (focus on US/India)
SECURITY MEASURES
Tokenization/2FA/Encryption
SUMMARY
Widely used in India/US, strong UPI support, easy integration
SUPPORTED CURRENCIES
USD/INR/EUR/others
APP AVAILABILITY
iOS/Android/Web
COMPANY/PARENT
Ant Group
FEES
No user fees/merchant fees apply
INTEGRATION OPTIONS
API/E-commerce/POS
KEY FEATURES
QR payments/Online shopping/Bill pay
LAUNCH YEAR
2004
MERCHANT ACCEPTANCE
Both
NOTABLE PARTNERSHIPS/INTEGRATIONS
Alibaba/Taobao
PLATFORM NAME
Alipay
PLATFORM TYPE
Mobile Wallet
REGION(S) SUPPORTED
China/Global (limited)
SECURITY MEASURES
2FA/Encryption/PCI DSS
SUMMARY
Dominant in China, strong e-commerce integration
SUPPORTED CURRENCIES
Chinese Yuan/USD/EUR/others
APP AVAILABILITY
iOS/Android/Web
COMPANY/PARENT
Tencent
FEES
No user fees/merchant fees apply
INTEGRATION OPTIONS
API/POS
KEY FEATURES
QR payments/P2P/Utility pay
LAUNCH YEAR
2013
MERCHANT ACCEPTANCE
Both
NOTABLE PARTNERSHIPS/INTEGRATIONS
JD.com/Meituan
PLATFORM NAME
WeChat Pay
PLATFORM TYPE
Mobile Wallet
REGION(S) SUPPORTED
China/Global (limited)
SECURITY MEASURES
2FA/Encryption
SUMMARY
Embedded in WeChat superapp, huge user base in China
SUPPORTED CURRENCIES
Chinese Yuan/USD/EUR/others
APP AVAILABILITY
iOS/Android/Web
COMPANY/PARENT
PayPal Holdings
FEES
No user fees for bank/3% for credit
INTEGRATION OPTIONS
API/E-commerce
KEY FEATURES
P2P transfers/Payments/Social feed
LAUNCH YEAR
2009
MERCHANT ACCEPTANCE
Both
NOTABLE PARTNERSHIPS/INTEGRATIONS
PayPal/Grubhub
PLATFORM NAME
Venmo
PLATFORM TYPE
Mobile Wallet
REGION(S) SUPPORTED
US
SECURITY MEASURES
2FA/Encryption
SUMMARY
Popular for social P2P payments in US, easy to use
SUPPORTED CURRENCIES
USD
APP AVAILABILITY
iOS/Android/Web
COMPANY/PARENT
Block (Square)
FEES
No user fees/1.5% instant transfer
INTEGRATION OPTIONS
API/E-commerce
KEY FEATURES
P2P payments/Bitcoin trading/Direct deposit
LAUNCH YEAR
2013
MERCHANT ACCEPTANCE
Both
NOTABLE PARTNERSHIPS/INTEGRATIONS
Square/Bitcoin
PLATFORM NAME
Cash App
PLATFORM TYPE
Mobile Wallet
REGION(S) SUPPORTED
US/UK
SECURITY MEASURES
2FA/Encryption
SUMMARY
Simple P2P and crypto, strong US adoption
SUPPORTED CURRENCIES
USD/GBP
APP AVAILABILITY
iOS/Android/Web
COMPANY/PARENT
Flipkart/Walmart
FEES
No user fees
INTEGRATION OPTIONS
API/POS
KEY FEATURES
P2P/UPI/Recharge/Bill pay
LAUNCH YEAR
2015
MERCHANT ACCEPTANCE
Both
NOTABLE PARTNERSHIPS/INTEGRATIONS
Indian Banks
PLATFORM NAME
PhonePe
PLATFORM TYPE
UPI/Mobile Wallet
REGION(S) SUPPORTED
India
SECURITY MEASURES
2FA/Encryption
SUMMARY
Major UPI player in India, wide acceptance
SUPPORTED CURRENCIES
INR
APP AVAILABILITY
iOS/Android/Web
COMPANY/PARENT
One97 Communications
FEES
No user fees
INTEGRATION OPTIONS
API/POS
KEY FEATURES
P2P/UPI/Recharge/Bill pay
LAUNCH YEAR
2010
MERCHANT ACCEPTANCE
Both
NOTABLE PARTNERSHIPS/INTEGRATIONS
Indian Banks
PLATFORM NAME
Paytm
PLATFORM TYPE
UPI/Mobile Wallet
REGION(S) SUPPORTED
India
SECURITY MEASURES
2FA/Encryption
SUMMARY
Versatile Indian platform, strong merchant network
SUPPORTED CURRENCIES
INR
APP AVAILABILITY
iOS/Android/Web
COMPANY/PARENT
Amazon
FEES
Varies by country
INTEGRATION OPTIONS
API/E-commerce
KEY FEATURES
Online payments/Checkout with Amazon
LAUNCH YEAR
2007
MERCHANT ACCEPTANCE
Both
NOTABLE PARTNERSHIPS/INTEGRATIONS
Shopify/Merchants
PLATFORM NAME
Amazon Pay
PLATFORM TYPE
Online Payment Gateway
REGION(S) SUPPORTED
Global (focus US/India)
SECURITY MEASURES
2FA/Encryption
SUMMARY
Integrated with Amazon ecosystem, trusted checkout
SUPPORTED CURRENCIES
USD/INR/EUR/others
APP AVAILABILITY
iOS/Android/Web
COMPANY/PARENT
Stripe Inc.
FEES
2.9%+30c per transaction
INTEGRATION OPTIONS
API/E-commerce/Billing
KEY FEATURES
Online payments/Subscriptions/Invoices
LAUNCH YEAR
2010
MERCHANT ACCEPTANCE
Online
NOTABLE PARTNERSHIPS/INTEGRATIONS
Shopify/SaaS
PLATFORM NAME
Stripe
PLATFORM TYPE
Online Payment Gateway
REGION(S) SUPPORTED
Global
SECURITY MEASURES
PCI DSS/Encryption
SUMMARY
Developer-friendly, strong API, global reach
SUPPORTED CURRENCIES
USD/EUR/GBP/INR/others
APP AVAILABILITY
iOS/Android/Web
COMPANY/PARENT
Block Inc.
FEES
2.6%+10c per swipe
INTEGRATION OPTIONS
POS/API/E-commerce
KEY FEATURES
POS terminals/Online payments/Invoices
LAUNCH YEAR
2009
MERCHANT ACCEPTANCE
Both
NOTABLE PARTNERSHIPS/INTEGRATIONS
Square POS
PLATFORM NAME
Square
PLATFORM TYPE
POS/Online Payment
REGION(S) SUPPORTED
US/Canada/Japan/Australia
SECURITY MEASURES
PCI DSS/Encryption
SUMMARY
Popular with small businesses, easy POS integration
SUPPORTED CURRENCIES
USD/CAD/JPY/AUD
APP AVAILABILITY
Android
COMPANY/PARENT
Samsung Electronics
FEES
No user fees
INTEGRATION OPTIONS
API/POS
KEY FEATURES
Contactless payments/MST/NFC
LAUNCH YEAR
2015
MERCHANT ACCEPTANCE
Both
NOTABLE PARTNERSHIPS/INTEGRATIONS
Visa/Mastercard/Amex
PLATFORM NAME
Samsung Pay
PLATFORM TYPE
Mobile Wallet
REGION(S) SUPPORTED
Global (select markets)
SECURITY MEASURES
Tokenization/2FA/Encryption
SUMMARY
Works with older terminals via MST, broad device support
SUPPORTED CURRENCIES
USD/EUR/INR/others
APP AVAILABILITY
iOS/Android/Web
COMPANY/PARENT
Revolut Ltd.
FEES
No user fees/FX fees apply
INTEGRATION OPTIONS
API/Billing
KEY FEATURES
Multi-currency/Transfers/Crypto
LAUNCH YEAR
2015
MERCHANT ACCEPTANCE
Both
NOTABLE PARTNERSHIPS/INTEGRATIONS
Mastercard/Visa
PLATFORM NAME
Revolut
PLATFORM TYPE
Mobile Banking
REGION(S) SUPPORTED
Europe/US/Global
SECURITY MEASURES
2FA/Encryption
SUMMARY
Multi-currency, travel-friendly, banking features
SUPPORTED CURRENCIES
USD/EUR/GBP/others
APP AVAILABILITY
iOS/Android/Web
COMPANY/PARENT
Wise Plc
FEES
Varies by corridor
INTEGRATION OPTIONS
API/Web
KEY FEATURES
Low-cost transfers/Multi-currency
LAUNCH YEAR
2011
MERCHANT ACCEPTANCE
Online
NOTABLE PARTNERSHIPS/INTEGRATIONS
Mastercard/Visa
PLATFORM NAME
Wise (formerly TransferWise)
PLATFORM TYPE
Money Transfer
REGION(S) SUPPORTED
Global
SECURITY MEASURES
2FA/Encryption
SUMMARY
Transparent fees, strong for international transfers
SUPPORTED CURRENCIES
USD/EUR/GBP/INR/others
APP AVAILABILITY
iOS/Android/Web
COMPANY/PARENT
Google LLC
FEES
No user fees
INTEGRATION OPTIONS
API/POS
KEY FEATURES
Contactless payments/Transit passes
LAUNCH YEAR
2022
MERCHANT ACCEPTANCE
Both
NOTABLE PARTNERSHIPS/INTEGRATIONS
Mastercard/Visa
PLATFORM NAME
Google Wallet
PLATFORM TYPE
Mobile Wallet
REGION(S) SUPPORTED
Global (select)
SECURITY MEASURES
Tokenization/2FA/Encryption
SUMMARY
Rebranded, integrates with Google ecosystem
SUPPORTED CURRENCIES
USD/EUR/others
APP AVAILABILITY
iOS/Android/Web
COMPANY/PARENT
NPCI
FEES
No user fees
INTEGRATION OPTIONS
API/POS
KEY FEATURES
Instant bank transfers/P2P/QR pay
LAUNCH YEAR
2016
MERCHANT ACCEPTANCE
Both
NOTABLE PARTNERSHIPS/INTEGRATIONS
All Indian Banks
PLATFORM NAME
UPI (Unified Payments Interface)
PLATFORM TYPE
Instant Bank Transfer
REGION(S) SUPPORTED
India
SECURITY MEASURES
2FA/Encryption
SUMMARY
India’s backbone for instant digital payments
SUPPORTED CURRENCIES
INR
APP AVAILABILITY
iOS/Android/Web
COMPANY/PARENT
Paysafe Group
FEES
2.5% deposit/withdrawal
INTEGRATION OPTIONS
API/E-commerce
KEY FEATURES
Online payments/Transfers
LAUNCH YEAR
1999
MERCHANT ACCEPTANCE
Online
NOTABLE PARTNERSHIPS/INTEGRATIONS
Gambling sites
PLATFORM NAME
Neteller
PLATFORM TYPE
Online Wallet
REGION(S) SUPPORTED
Global (focus on gambling)
SECURITY MEASURES
2FA/Encryption
SUMMARY
Popular for online gaming, easy transfers
SUPPORTED CURRENCIES
USD/EUR/GBP/others
APP AVAILABILITY
iOS/Android/Web
COMPANY/PARENT
Paysafe Group
FEES
Varies by transaction
INTEGRATION OPTIONS
API/E-commerce
KEY FEATURES
Online payments/Transfers
LAUNCH YEAR
2001
MERCHANT ACCEPTANCE
Online
NOTABLE PARTNERSHIPS/INTEGRATIONS
Gambling sites
PLATFORM NAME
Skrill
PLATFORM TYPE
Online Wallet
REGION(S) SUPPORTED
Global
SECURITY MEASURES
2FA/Encryption
SUMMARY
Low-cost transfers, global reach
SUPPORTED CURRENCIES
USD/EUR/GBP/others
APP AVAILABILITY
iOS/Android/Web
COMPANY/PARENT
Early Warning Services
FEES
No user fees
INTEGRATION OPTIONS
API/Bank apps
KEY FEATURES
P2P bank transfers
LAUNCH YEAR
2017
MERCHANT ACCEPTANCE
Both
NOTABLE PARTNERSHIPS/INTEGRATIONS
Major US Banks
PLATFORM NAME
Zelle
PLATFORM TYPE
Bank Transfer
REGION(S) SUPPORTED
US
SECURITY MEASURES
Bank-level security/2FA
SUMMARY
Instant bank-to-bank transfers in US
SUPPORTED CURRENCIES
USD
APP AVAILABILITY
iOS/Android/Web
COMPANY/PARENT
Payoneer Inc.
FEES
Varies by country
INTEGRATION OPTIONS
API/E-commerce
KEY FEATURES
Freelance payments/Global transfers
LAUNCH YEAR
2005
MERCHANT ACCEPTANCE
Online
NOTABLE PARTNERSHIPS/INTEGRATIONS
Freelance platforms
PLATFORM NAME
Payoneer
PLATFORM TYPE
Online Payment Gateway
REGION(S) SUPPORTED
Global
SECURITY MEASURES
2FA/Encryption
SUMMARY
Popular with freelancers, global reach
SUPPORTED CURRENCIES
USD/EUR/GBP/others
APP AVAILABILITY
iOS/Android/Web
COMPANY/PARENT
Vodafone/Safaricom
FEES
Varies by country
INTEGRATION OPTIONS
API/POS
KEY FEATURES
Mobile money/Transfers/Bill pay
LAUNCH YEAR
2007
MERCHANT ACCEPTANCE
Both
NOTABLE PARTNERSHIPS/INTEGRATIONS
Telcos
PLATFORM NAME
M-Pesa
PLATFORM TYPE
Mobile Wallet
REGION(S) SUPPORTED
Kenya/Africa/Asia
SECURITY MEASURES
2FA/Encryption
SUMMARY
Revolutionized mobile money in Africa
SUPPORTED CURRENCIES
KES/USD/others
APP AVAILABILITY
iOS/Android/Web
COMPANY/PARENT
Barclays
FEES
No user fees
INTEGRATION OPTIONS
API/POS
KEY FEATURES
P2P payments/QR pay
LAUNCH YEAR
2012
MERCHANT ACCEPTANCE
Both
NOTABLE PARTNERSHIPS/INTEGRATIONS
Barclays
PLATFORM NAME
Barclays Pingit
PLATFORM TYPE
Mobile Wallet
REGION(S) SUPPORTED
UK
SECURITY MEASURES
2FA/Encryption
SUMMARY
UK-focused, easy P2P transfers
SUPPORTED CURRENCIES
GBP
APP AVAILABILITY
iOS/Android/Web
COMPANY/PARENT
Globe Telecom
FEES
No user fees
INTEGRATION OPTIONS
API/POS
KEY FEATURES
Mobile wallet/Bill pay/Transfers
LAUNCH YEAR
2004
MERCHANT ACCEPTANCE
Both
NOTABLE PARTNERSHIPS/INTEGRATIONS
Globe
PLATFORM NAME
GCash
PLATFORM TYPE
Mobile Wallet
REGION(S) SUPPORTED
Philippines
SECURITY MEASURES
2FA/Encryption
SUMMARY
Philippines’ leading mobile wallet
SUPPORTED CURRENCIES
PHP
APP AVAILABILITY
iOS/Android/Web
COMPANY/PARENT
Paysera
FEES
Low fees
INTEGRATION OPTIONS
API/E-commerce
KEY FEATURES
Online payments/Transfers
LAUNCH YEAR
2004
MERCHANT ACCEPTANCE
Online
NOTABLE PARTNERSHIPS/INTEGRATIONS
EU merchants
PLATFORM NAME
Paysera
PLATFORM TYPE
Online Wallet
REGION(S) SUPPORTED
Europe
SECURITY MEASURES
2FA/Encryption
SUMMARY
Popular in Eastern Europe, low fees
SUPPORTED CURRENCIES
EUR/others
APP AVAILABILITY
iOS/Android/Web
COMPANY/PARENT
M_Service
FEES
No user fees
INTEGRATION OPTIONS
API/POS
KEY FEATURES
Mobile payments/Transfers/Bill pay
LAUNCH YEAR
2013
MERCHANT ACCEPTANCE
Both
NOTABLE PARTNERSHIPS/INTEGRATIONS
Vietnamese banks
PLATFORM NAME
MoMo
PLATFORM TYPE
Mobile Wallet
REGION(S) SUPPORTED
Vietnam
SECURITY MEASURES
2FA/Encryption
SUMMARY
Leading wallet in Vietnam
SUPPORTED CURRENCIES
VND
APP AVAILABILITY
iOS/Android/Web
COMPANY/PARENT
Prosus
FEES
Varies by country
INTEGRATION OPTIONS
API/E-commerce
KEY FEATURES
Online payments/E-commerce
LAUNCH YEAR
2002
MERCHANT ACCEPTANCE
Online
NOTABLE PARTNERSHIPS/INTEGRATIONS
Merchants
PLATFORM NAME
PayU
PLATFORM TYPE
Payment Gateway
REGION(S) SUPPORTED
Global (focus on India/LatAm)
SECURITY MEASURES
2FA/Encryption
SUMMARY
Strong in emerging markets, e-commerce focus
SUPPORTED CURRENCIES
USD/INR/EUR/others
APP AVAILABILITY
iOS/Android/Web
COMPANY/PARENT
Orange S.A.
FEES
Varies by country
INTEGRATION OPTIONS
API/POS
KEY FEATURES
Mobile money/Transfers/Bill pay
LAUNCH YEAR
2008
MERCHANT ACCEPTANCE
Both
NOTABLE PARTNERSHIPS/INTEGRATIONS
Orange
PLATFORM NAME
Orange Money
PLATFORM TYPE
Mobile Wallet
REGION(S) SUPPORTED
Africa
SECURITY MEASURES
2FA/Encryption
SUMMARY
Mobile money leader in Francophone Africa
SUPPORTED CURRENCIES
XOF/others
APP AVAILABILITY
iOS/Android/Web
COMPANY/PARENT
Yandex/Sberbank
FEES
Low fees
INTEGRATION OPTIONS
API/E-commerce
KEY FEATURES
Online payments/Transfers
LAUNCH YEAR
2002
MERCHANT ACCEPTANCE
Online
NOTABLE PARTNERSHIPS/INTEGRATIONS
Yandex
PLATFORM NAME
Yandex.Money
PLATFORM TYPE
Online Wallet
REGION(S) SUPPORTED
Russia
SECURITY MEASURES
2FA/Encryption
SUMMARY
Popular in Russia, e-commerce integration
SUPPORTED CURRENCIES
RUB
APP AVAILABILITY
iOS/Android/Web
COMPANY/PARENT
Banco Central do Brasil
FEES
No user fees
INTEGRATION OPTIONS
API/POS
KEY FEATURES
Instant payments/P2P/QR pay
LAUNCH YEAR
2020
MERCHANT ACCEPTANCE
Both
NOTABLE PARTNERSHIPS/INTEGRATIONS
Brazilian banks
PLATFORM NAME
Pix
PLATFORM TYPE
Instant Bank Transfer
REGION(S) SUPPORTED
Brazil
SECURITY MEASURES
2FA/Encryption
SUMMARY
Brazil’s instant payment system, rapid adoption
SUPPORTED CURRENCIES
BRL