In today’s fast-moving digital world, paying with a credit card has become more convenient than ever thanks to powerful payment apps that let users send and receive money, make purchases, and manage finances right from their smartphones. As of 2025, over 4.4 billion credit cards are actively in use worldwide. According to recent reports, 72% of global e-commerce transactions are now paid for using digital wallets or online payment apps that securely store credit card details.
This growing trend shows how businesses and individuals are shifting from cash and physical cards to smart apps that handle everything from contactless payments at local shops to global online transactions in just a few taps. For small business owners, freelancers, and online sellers, choosing the right credit card payment app can save time, lower costs, and even help attract more customers by offering safe, flexible ways to pay.
In this article, we’ll explore 15 of the best credit card payment apps you can use in 2025 to make payments smoother, safer, and smarter. Whether you’re a local store owner, a gig worker, or an entrepreneur selling worldwide, these apps can help you get paid on time and grow your business without the usual payment headaches.
Benefits of Using Credit Card Payment Apps
- Faster Transactions: Payments are processed instantly, helping businesses improve cash flow.
- Enhanced Security: Modern apps use encryption and tokenization to protect card details.
- Better Customer Experience: Easy checkouts and multiple payment options encourage repeat purchases.
- International Reach: Many apps support payments in multiple currencies, expanding your customer base.
- Easy Integration: Most tools offer plugins or APIs for websites, apps, and online stores.
Things to Consider When Choosing a Payment App
- Transaction Fees: Compare processing fees and hidden costs to find the most cost-effective option.
- Supported Payment Methods: Check if the app accepts all major credit cards and digital wallets.
- Ease of Use: A clean interface and simple setup save you time and reduce errors.
- Customer Support: Reliable support can help quickly resolve payment issues or disputes.
- Compliance & Security: Ensure the app complies with PCI-DSS and other security standards.
List of Top 15 Best Credit Card Payment Apps
1. PayPal
Website: https://www.paypal.com/in/home
The popularity of PayPal as a credit card payment app can hardly be overestimated, as it is a secure and convenient platform used both by individuals engaged in some business transactions and companies. Through it, one can connect to various credit cards and bank accounts, transfer and get money to other parts of the world, and buy goods and services with a few clicks. PayPal also offers convenient checkout solutions that integrate easily with businesses, invoicing tools, and even working capital loans, which is why it can be a solid choice both on an entrepreneurial level and on an online seller’s one.
One of PayPal’s greatest strengths is its reputation for security and fraud protection, which builds trust among both customers and merchants. It facilitates the transactions in more than 200 countries and various currencies, and it is the best option when one is doing international payments. PayPal remains one of the most popular methods of credit card payments in 2025 with an easy-to-use interface, automatic notifications, and smooth connections to such e-commerce sites as Shopify and WooCommerce.
Top Features:
- Supports multiple credit cards and bank accounts
- Advanced fraud and buyer protection
- International payments in 200+ countries
- Easy integration with websites and online stores
- Mobile app for instant transactions and tracking
2. Stripe
Website: https://stripe.com/in
Stripe has long been a go-to solution for developers, startups, and even big companies who wish to receive credit card payments via the internet. Stripe is a flexible service aimed at providing businesses with high-quality APIs to create individual payment flows. No matter whether you operate a subscription business, a marketplace, or an online shop, with Stripe, there will be no problem in accepting credit card payments made by customers almost worldwide.
In addition to mere payment processing, Stripe offers more sophisticated capabilities such as fraud prevention with its Stripe Radar solution, live reporting, and acceptance of various payment options, such as digital wallets, such as Apple Pay and Google Pay. Stripe also has a simple-to-use dashboard, transparent pricing, and large developer resources that have made it a leader in being a favorite of tech-savvy businesses who want complete control of their payment systems.
Top Features:
- Developer-friendly APIs for custom integrations
- Support for recurring payments and subscriptions
- Real-time fraud detection tools
- Global payments with multi-currency support
- Transparent pricing and detailed analytics
3. Square
Website: https://stripe.com/in
Square is an all-in-one payment solution popular among small businesses, freelancers, and retailers who need to accept credit card payments both in-store and online. With Square’s credit card reader and POS app, merchants can turn a smartphone or tablet into a mobile checkout system. Square also offers online payment gateways, invoicing, and virtual terminals for remote payments, giving businesses multiple ways to accept credit cards securely.
Square’s biggest appeal is its simplicity — it provides a free POS app, competitive transaction fees, and no long-term contracts. Additional features like inventory management, customer directories, and sales reporting help small business owners run their operations smoothly. For entrepreneurs who want an affordable, plug-and-play payment solution, Square is consistently ranked among the best.
Top Features:
- Mobile POS with card reader for in-person payments
- Online store and invoicing tools
- Flat-rate transaction fees
- Sales analytics and reporting
- Inventory and customer management
Suggested: Payment Gateways in India
4. Venmo for Business
Website: https://venmo.com/
Originally known as a peer-to-peer payment application, Venmo, which is part of PayPal, however, offers a service called Venmo for Business that enables small businesses to receive credit card payments in an intuitive manner. Customers, especially younger ones, are enthralled by the social feed and immediate transfers using Venmo. The ability to accept payment through credit cards or Venmo balance by creating a Venmo business profile allows businesses to make it convenient for their customers to make payments in a way that appeals to them.
Venmo is popular because of its enormous user base as well as social payment experience. The transaction can be visible to the network of a customer (as he or she can decide) when payment is made to a business, and this aspect can enhance word-of-mouth marketing. The businesses pay reduced fees compared to most of the conventional processors and are able to have a quick deposit in their bank account. Venmo for Business is a clever mechanism that can be used by small merchants who want to take credit card payments from customers who are millennials and Gen Z populations.
Top Features:
- Easy setup for small businesses
- Accept payments via credit cards and Venmo balance
- Social sharing for organic marketing
- Low transaction fees
- Instant transfers to bank accounts
5. Google Pay
Website: https://pay.google.com/
Google Pay is Google’s digital wallet and payment app that allows users to store their credit and debit cards and pay in stores, online, and in apps. For businesses, Google Pay provides a secure, convenient way to accept credit card payments, whether through tap-to-pay terminals in stores or integration with websites and mobile apps. Its growing popularity makes it a must-have for merchants who want to offer customers multiple payment options.
One of Google Pay’s strongest selling points is security. It uses tokenization to protect card details, and transactions are authenticated with biometrics or device passcodes. For customers, it’s fast and simple — they just tap their phone or smartwatch to pay. For businesses, integrating Google Pay can boost conversion rates by providing a frictionless checkout experience both online and offline.
Top Features:
- Contactless payments with NFC technology
- Easy integration with websites and apps
- Secure tokenization and biometric authentication
- Loyalty programs and offers for customers
- Growing global acceptance in stores
6. Apple Pay
Website: https://www.apple.com/apple-pay/
Apple Pay is a digital wallet and mobile payment service designed to make using a credit card on iPhones more convenient. iPad and Apple watch. Apple Pay allows users to save their credit and debit cards and pay contactless in a store, app, or website. It is favorable due to its close connections with the Apple ecosystem where users can have a quick, safe, and anonymous method of payment.
In the case of businesses, compatibility with Apple Pay implies a swift checkout process that is streamlined for the millions of owners of Apple devices across the globe. Advanced security measures such as Face ID, Touch ID, and tokenization are applied to Apple Pay transactions, so that merchants do not see the real card numbers and do not receive access to them on their devices. It can be applied in large retailers as well as small shops; simply including Apple Pay will help increase customer confidence in the business and result in returning customers.
Top Features:
- Works seamlessly with iPhone, iPad, and Apple Watch
- Highly secure with Face ID and Touch ID authentication
- Contactless payments in stores and apps
- Tokenization keeps card details private
- Loyalty cards and rewards integration
7. Amazon Pay
Website: https://www.amazon.in/amazonpay/home
Amazon Pay is an online payment service provided by Amazon that uses its large customer base and reliable infrastructure to assist businesses in receiving online credit card payments, as well as mobile payments. Amazon has also extended the credit cards that the shoppers store on their Amazon account to third-party websites that they visit in order to make a purchase, logging in their payment information once more. This minimizes cart abandonments and maximizes conversion rates, particularly when it comes to mobile shopping.
As merchants, the seller enjoys Amazon advanced fraud protection and easy shopping process. To the customers, the Amazon familiar login enables them to pay with a feeling of trust and convenience. Amazon Pay is also suitable to those businesses that want to reduce the complexity associated with payment processing or those that want to access the massive base of available active buyers within Amazon.
Top Features:
- Use saved Amazon credit cards for quick checkout
- Trusted brand and robust fraud protection
- Easy integration with e-commerce sites
- Optimized for mobile transactions
- Detailed transaction reporting for merchants
8. Revolut
Website: https://www.revolut.com/
Revolut is a rapidly expanding app of digital banking and payments that allows its users the flexibility to make credit card payments and other payments across the globe. Through Revolut, one may connect and control several debit and credit cards, send local, domestic, and foreign payments quickly, share bills, apart from having the option of creating and using virtual cards when shopping online to embrace a safer approach. Revolut is a convenient and all-in-one solution because small enterprises and freelancers can make card payments and cover expenses through the same app.
Among the greatest assets of Revolut is its multi-currency nature: you can hold, exchange, and spend more than 30 currencies with advantageous rates. It is ideal in cases where the freelancer has international clients or companies that are desirous of paying their suppliers in a foreign country. Revolut also offers extensive analytics of spending, budgeting, and on-the-scale maintenance of security, such as disposable virtual cards to avoid fraud. At present, Revolut has personal and business accounts that allow the company to extend the services of payment services in order to meet the current demands.
Top Features:
- Link and manage multiple credit and debit cards
- Create virtual cards for secure online payments
- Hold and exchange 30+ currencies at real rates
- Split bills and track expenses in real time
- Business accounts with team expense controls
9. Wise
Website: https://wise.com/in/
Wise is best known for its international money transfers, but it also offers multi-currency accounts and the ability to accept credit card payments for freelancers and small businesses working with global clients. With Wise, businesses can issue invoices, receive payments in multiple currencies, and hold balances without heavy conversion fees.
For freelancers or digital entrepreneurs, Wise is especially attractive because it provides local bank details for various countries, letting clients pay with credit cards in their own currency. With minimal, clear fees, Wise converts money at the mid-market exchange rate. This makes it a powerful tool for anyone who needs to accept cross-border credit card payments while minimizing hidden charges.
Top Features:
- Accept payments in multiple currencies
- Local bank details in major countries
- Low and transparent currency conversion fees
- Debit card linked to a multi-currency account
- Easy invoicing for freelancers and businesses
10. Skrill
Website: https://account.skrill.com/wallet/account/
Another popular online payment gateway and digital wallet is Skrill that encompasses the credit card information storage, transfer of funds and receiving online payments on a worldwide level. It is preferred by freelancers, businesses that are online, and even games because of its high acceptance and quick transfers. Skrill works with more than 40 currencies and has a prepaid Mastercard to use the money constantly.
One can incorporate Skrill using businesses to receive credit card payments, enable one-tap checkouts, and allow recurring payments in case of subscriptions. Skrill is also well endowed with anti-fraud programs, and all that is needed is constant surveillance to keep merchants and customers safe. Competitive costs and loyalty policy are its advantages that make it a reliable option to use by individuals and companies that need a convenient method of managing credit card funds.
Top Features:
- Store and manage multiple credit cards
- Accept payments in 40+ currencies
- Prepaid Skrill Mastercard for easy spending
- Secure anti-fraud protection
- Recurring billing and one-tap checkout
11. Payoneer
Website: https://www.payoneer.com/en-in/
Payoneer is the best payment services platform in the world that enables digital businesses, freelancers, and online sellers to get credit card payments from clients located across the world. Using Payoneer, it is possible to be paid by credit cards, marketplace, and direct bank transfer in various currencies. Its Global Payment Service offers local receiving accounts in USD, EUR, GBP, and other major currencies,s and this enables international clients to pay the filing fees using their favorite credit cards.
Flexibility in cross-border payment is also one of the greatest advantages of Payoneer. It is popular among a pool of freelancers using websites such as Upwork, Fiverr, and Airbnb hosts who require quick access to cash. Payoneer Mastercard enables them to use their earnings in the form of a debit card or withdraw cash at teller machines all over the globe. Payoneer is also one of the best options to receive credit card payments in different locations when paired with multi-currency support, high levels of security, and favorable rates.
Top Features:
- Local receiving accounts for multiple currencies
- Accept payments via credit cards, bank transfers, and marketplaces
- Payoneer Mastercard for global spending
- Secure global transactions with fraud monitoring
- Used by freelancers, marketplaces, and online sellers
12. Razorpay
Website: https://www.authorize.net/
Razorpay is an all-in-one payment gateway popular among startups, SMEs, and large businesses in India. It enables merchants to accept credit card payments through websites, mobile apps, or payment links. Razorpay’s clean API, easy integration, and broad acceptance of domestic and international credit cards make it one of the fastest-growing payment solutions in Asia.
Razorpay offers more than just credit card processing — it includes invoicing, subscription billing, payment pages, and automated payment reminders. Merchants benefit from real-time reporting, advanced fraud detection, and multiple settlement options. Its user-friendly dashboard and transparent pricing have made it a favorite for Indian entrepreneurs looking for an efficient, modern way to accept and manage credit card payments.
Top Features:
- Accepts all major domestic and international credit cards
- Ready-to-use payment pages and links
- Subscription and recurring payment management
- Smart fraud detection tools
- Clean API for quick integration
Also Read: How to Pay Freelancers and Gig Workers Legally
13. Authorize.Net
Website: https://www.authorize.net/
Authorize.Net is a long-established and reputable payment gateway owned by Visa. Small and medium-sized businesses in the US and around the world use it extensively to take credit card payments in person, over the phone, or online. Authorize.Net offers a comprehensive suite of tools that includes virtual terminals, recurring billing, invoicing, and fraud prevention.
One of its standout features is reliability — Authorize.Net has been around since 1996 and processes billions in transactions annually. Merchants appreciate its robust security, 24/7 support, and ability to integrate with popular shopping carts and e-commerce platforms. With flexible options for both online and brick-and-mortar businesses, Authorize.Net remains a top contender for companies seeking a stable credit card payment solution.
Top Features:
- Virtual terminal for phone and in-person payments
- Supports major credit cards and digital wallets
- Advanced fraud detection suite
- Subscription and recurring billing
- Easy integration with e-commerce sites
14. Clover
Website: https://www.clover.com/
Clover is a mix of software and hardware point-of-sale (POS) system that assists small businesses in accepting credit card payments in-store, online, as well as on-the-go. Some of Clover’s flexible offerings encompass the countertop point of sales devices, mobile card readers, and a wide marketplace of applications that allow businesses to customize their installation, allowing them to add tools to manage inventory, staff, and customer loyalty programs.
All-in-one is one of the greatest strengths of Clover. With one dashboard, businesses are able to track the sales, manage the employees, and accept credit cards, debit cards, and digital wallets. Clover also uses end-to-end encryption and adheres to PCI standards in ensuring that transactions are safe. Clover is a good means of modernizing credit card payment acceptance by cafes, retail shops, salons, and service providers.
Top Features:
- Versatile POS hardware and software solutions
- Accepts credit cards, digital wallets, and EMV chip cards
- App marketplace for customized tools
- Inventory and staff management
- Secure encryption and PCI compliance
15. Adyen
Website: https://www.adyen.com/
Adyen is an ultimate cross-border payment tool relied upon by big and small companies, including startups, as well as international giants such as Spotify and Uber. Making it possible to receive credit card payments via the internet, in-store, and even on mobile apps makes it one single system. Adyen has plenty of potential to work with different payment methods, currencies, and local payment tastes, and this is why the payment solution is an option to select when international clients are received in a business.
Using Adyen, companies can provide their buyers with a smooth purchasing experience, both when using credit cards or digital wallets, or other payment solutions such as buy now, pay later. The platform also has high-quality fraud protection and real-time transaction monitoring to ensure safe payments. With a simplified unified dashboard and analytics, combined with flexible APIs in place, businesses can easily monitor their sales and improve payments as they expand into various markets.
Top Features:
- Accepts major credit cards and 250+ payment methods
- Supports multi-currency payments worldwide
- Advanced fraud prevention tools
- Unified dashboard for online and in-person payments
- Flexible APIs for custom integrations
Conclusion
In conclusion, choosing the right credit card payment app can make a big difference in how smoothly you run your business or manage personal transactions. You can simply locate a reliable app that meets your demands, whether you want to take payments online, in person, or internationally, as there are so many of them accessible right now.
With quick and easy checkouts, you can increase security, save time, and satisfy your consumers with the proper software. Take your time comparing features, pricing, and support to choose the app that best fits your business and helps you grow confidently.
FAQs
Are credit card payment apps safe to use?
Yes, most trusted apps use advanced security like encryption, tokenization, and fraud detection. They also follow strict industry standards to protect your payment information.
Can I use these apps for international payments?
Many modern payment apps support cross-border transactions and multiple currencies, making it easy to pay or receive money from clients around the world.
What fees should I expect with payment apps?
Fees vary by app and transaction type. Common fees include a small percentage per transaction, currency conversion fees, or withdrawal fees. Always check the pricing page before you sign up.
