Best 8 Payment Apps Like Venmo in 2025: P2P Money Transfer Solutions

You’ve built something people love, maybe it’s a marketplace, a subscription platform, or an on-demand service.

Customers are ready to pay, but then you hit a wall: your payment flow only works in certain regions, or your provider charges fees that eat into your margins.

That’s when the search begins for apps like Venmo, not just clones, but secure P2P money transfer apps according to your audience, your business model, & your roadmap.

Venmo is great for peer-to-peer payments, but it isn’t the only game in town.

Some Venmo alternatives offer low-fee payment apps for small businesses, better cross-border support, or faster integration with your stack.

We’ve helped businesses choose the best payment apps from instant money transfer apps for friends to cross-border P2P payment solutions in 2025.

In this blog, you’ll explore the best P2P payment apps in 2025, their unique benefits, and how to pick the right fit for your product.

Why Venmo and Why Look for Alternatives?

Venmo has become one of the most recognized P2P payment apps in the U.S., making it simple for friends, family, and even small businesses to send and receive money instantly.

Its easy-to-use interface and fast transfers made it a go-to for millions. But Venmo isn’t perfect for every user or business.

Maybe you’re expanding internationally and need a cross-border P2P payment solution.

Maybe you want lower transaction fees, better developer APIs, or more flexible options for integrating payments into your platform.

Or perhaps you’re building an app that needs advanced features like crypto support, instant cash-outs, or multi-currency wallets.

That’s why it’s worth exploring apps like Venmo not just as backups, but as strategic Venmo alternatives that can be a better match for your product or market.

From instant money transfer apps for friends to secure peer-to-peer payment platforms for small businesses, our team at Seven Square has helped founders, fintech startups, and marketplace owners choose the right fit.

Whether you need a fast-to-market integration or a custom-built P2P payment app, we deliver with swift execution, clear communication, and product-minded engineering.

Learn to Develop a BNLP App Like AfterPay.

What Are the Best 8 Payment Apps Like Venmo in 2025?

Looking for low-fee P2P payment apps, a small business owner searching for secure mobile payment solutions, or just someone who needs instant money transfers to friends, there are plenty of apps like Venmo that might be a better fit in 2025.

Here’s our handpicked list of the 8 best payment apps like Venmo with details on how they work, who they’re best for, and why they might just replace Venmo on your phone.

These are some of the best Venmo Alternatives that you should explore.

1. PayPal:

PayPal is the original peer-to-peer payment app and still a powerhouse in 2025. Its fees can be higher than some newer Venmo alternatives.

For freelancers, PayPal integrates easily with invoicing tools and marketplaces like eBay and Fiverr.

Businesses benefit from its payment gateway, allowing them to accept credit cards, debit cards, and PayPal balance payments.

Its global reach and security make it one of the best mobile payment apps for both personal and business use.

Unique Benefits:

• Global reach in 200+ countries, ideal for international P2P money transfers.
• Strong buyer & seller protection for secure transactions.
• Easy integration with e-commerce platforms like eBay, Shopify, and WooCommerce.

Why it’s a great Venmo alternative: PayPal owns Venmo, but its reach and business tools go far beyond what Venmo offers.

2. Cash App:

Cash App has become a leading instant money transfer app in the U.S.

It comes with features like Cash Card (a customizable debit card), Bitcoin trading, and stock investing, & it goes beyond traditional P2P payment solutions.

Cash App supports instant deposits to your bank for a small fee, and standard transfers are free.

For those searching for apps similar to Venmo with extra financial tools, Cash App is a strong competitor in 2025.

Unique Benefits:

• Strong appeal for younger users with a simple, social interface.
• Built-in security with PIN, Face ID, and instant transaction alerts.

Why it’s a great Venmo alternative: Combines money transfers, investing, and crypto in one app.

3. Google Pay:

Google Pay combines peer-to-peer payments, contactless NFC payments, and loyalty card storage in one app.

It allows you to send money to friends via email or phone number and integrates with Google’s ecosystem for quick transactions.

For those already in the Google ecosystem, Google Pay is a Venmo alternative that offers both convenience and versatility.

Unique Benefits:

• Built-in rewards, cashback offers, and in-app deals.
• Works across Android devices and some iOS setups.
• Easy for small businesses to accept payments through Google tools.

Why it’s a great Venmo alternative: Combines peer-to-peer payments with powerful wallet features.

4. Apple Pay:

Apple Pay is integrated into iMessage, which makes it incredibly easy to send and receive money right in a text conversation.

It uses two-factor authentication and encryption, making it a top choice for secure P2P payment apps.

While limited to the U.S., it’s one of the best Venmo alternatives for iPhone users.

Unique Benefits:

• Funds can be spent via Apple Pay or transferred to a bank.
• No additional app needed, it works within Apple Wallet.
• Perfect Venmo alternative for Apple ecosystem users.

Why it’s a great Venmo alternative: Deep integration into the Apple ecosystem.

5. Revolut:

Revolut is a global digital banking app offering P2P payments, multi-currency accounts, and free international transfers in dozens of currencies.

It also offers budgeting tools, savings vaults, and cryptocurrency trading.

Its competitive exchange rates and low transfer fees make it one of the best Venmo alternatives for international payments.

Unique Benefits:

• Competitive exchange rates close to mid-market.
• Offers budgeting tools, savings vaults, and cryptocurrency trading.
• Ideal for frequent travelers and remote workers.

Why it’s a great Venmo alternative: Combines peer-to-peer transfers with banking, investing, and travel perks.

6. Wise:

Wise specializes in international P2P payments with some of the lowest fees in the industry.

It offers multi-currency accounts, allowing users to hold, send, and receive money in over 50 currencies.

If you’re looking for Venmo alternatives for international transactions, Wise should be at the top of your list in 2025.

Unique Benefits:

• Uses real mid-market exchange rate for fairness and transparency.
• Suitable for individuals and small businesses.
• Supports large international transfers securely and quickly.

Why it’s a great Venmo alternative: A lot cheaper for overseas transactions.

7. Remitly:

Remitly focuses on international money transfers to friends and family, with options for instant delivery or economy transfers at lower fees.

It also provides guaranteed delivery times and real-time tracking, which builds trust.

For anyone seeking secure cross-border P2P payment apps, especially in emerging markets, Remitly is a strong Venmo alternative in 2025.

Unique Benefits:

• Designed for international remittances to family and friends.
• Multiple delivery methods: bank deposit, mobile wallet, or cash pickup.
• Strong network in Asia, Africa, and Latin America.

Why it’s a great Venmo alternative: It specializes in remittances with personalized features for global users.

8. Xoom:

Xoom is PayPal’s dedicated international money transfer service, focusing on speed and reliability.

It is particularly strong for instant cross-border payments and bill payments abroad.

For users looking for apps like Venmo but with strong international capabilities, Xoom is one of the best options in 2025.

Unique Benefits:

• Supports deposits to bank accounts, mobile wallets, or cash pickup.
• Available in 160+ countries with competitive transfer times.
• Backed by PayPal’s global infrastructure for security.

Why it’s a great Venmo alternative: It is being backed by PayPal with a global reach.

These are not just Venmo alternatives; they are some of the best peer-to-peer payments apps that can be helpful for you.

Learn about Top Apps Like Klarna.

How to Choose the Right Venmo Alternative for Your Needs?

We’ve built and shipped fintech, e-commerce, and marketplace products where the peer-to-peer payment layer moves fast without compromising on compliance, security, or customer trust.

From our experience, here’s how you should evaluate any app like Venmo:

• Market reach: Will your P2P payment app work where your customers are, or do you need a cross-border money transfer solution?
• Transaction fees: Some Venmo alternatives offer low-fee payment apps for small businesses, which is important if you process high volumes.
• Integration speed: Can your tech team get it live fast, or do you need a fast-to-market integration partner?
• Customer experience: Will your brand’s experience stay intact, or will it feel like a third-party handoff?
• Security & compliance: Is it a truly secure P2P money transfer app with fraud prevention and clear liability terms?

A one-size-fits-all P2P payment app rarely works. You need product-specific insight.

That’s where our development comes in. We’ve helped startups and enterprises to create custom mobile payment solutions & launch MVPs in weeks.

Want to Integrate an App Like Venmo? Contact Us Today!

Why the Right Venmo Alternative Can Change Your Product?

For most founders, payments start as a checklist item.

Users should be able to send and receive money.

A well-chosen P2P payment app can completely change user behavior, which makes them transact more often, trust the platform faster, and stick around longer.

Think about it: Apps like Venmo didn’t just make it easier to split a bill; they created a culture of instant, social transactions.

Now, the best Venmo alternatives are pushing boundaries & allowing cross-border transfers, integrating loyalty rewards, and embedding payments directly into marketplaces, gaming platforms, and niche communities.

Building Beyond Transactions

The truth is, the “best” P2P payment app for 2025 isn’t just the one with the lowest fees or flashiest UI; it’s the one that fits your product’s ecosystem.

Whether you choose apps like Venmo, a lesser-known Venmo alternative, or go all in on building a custom peer-to-peer money transfer solution, the goal is the same: frictionless payments that drive trust, engagement, and growth.

Because at the end of the day, payments aren’t just about moving money.

They’re about moving your business forward.