Cash App has become one of the most popular peer-to-peer (P2P) payment platforms in the United States, known for its simplicity, fast transfers, and features like Bitcoin buying and stock investing. However, it isn’t the only option available. Depending on your preferences—whether you’re looking for lower fees, more security, international transfers, or business tools—several other platforms may be a better fit.

In this article, we’ll explore the top 12 Cash App alternatives in the USA that you can use for personal and business transactions.

1. PayPal

Best for: Global payments and online shopping

PayPal is one of the oldest and most trusted digital payment platforms. It allows users to send and receive money domestically and internationally, pay for goods and services, and integrate with e-commerce platforms. Unlike Cash App, PayPal is accepted by millions of online merchants worldwide.

Key features:

• Send/receive money in over 200 countries
• Buyer and seller protection
• Pay in stores with QR codes
• Business invoicing and subscriptions

2. Venmo

Best for: Social payments among friends

Owned by PayPal, Venmo is very popular with younger users because of its social feed feature that shows payment activity among friends. It’s widely used for splitting bills, paying rent, or sharing expenses.

Key features:

• Free transfers between friends (linked bank or debit card)
• Optional social sharing of transactions
• Venmo debit card for in-store purchases
• Integration with Uber and online retailers

3. Zelle

Best for: Instant transfers directly between banks

Zelle is a bank-backed P2P transfer network integrated with most major U.S. banks and credit unions. Unlike Cash App, Zelle doesn’t hold your funds—it moves money directly from one bank account to another, usually within minutes.

Key features:

• Instant transfers (usually no fees)
• Works through your banking app
• Trusted by large financial institutions
• No balance-holding account required

4. Apple Pay

Best for: iPhone users and contactless payments

Apple Pay is a digital wallet built into iOS devices. It allows users to send money via iMessage, make contactless payments in stores, and shop online securely with Face ID or Touch ID verification.

Key features:

• Seamless integration with iPhone, Apple Watch, and Mac
• Apple Cash card for storing funds
• Works with most credit and debit cards
• Strong privacy and security

5. Google Pay

Best for: Android users and digital wallet integration

Google Pay offers both P2P money transfers and contactless payments in stores. It integrates with Google services, making it convenient for Android users and businesses using Google Workspace.

Key features:

• Send and request money
• Pay in-store or online with NFC
• Store loyalty cards, gift cards, and transit passes
• Supports group payments and bill splitting

6. Meta Pay (Facebook Pay)

Best for: Social media transactions

Meta Pay works across Facebook, Messenger, Instagram, and WhatsApp. It’s designed for people who want to send money without leaving social apps or purchase directly from Marketplace sellers.

Key features:

• Integrated with social media apps
• Free P2P transfers
• Store payment details for easy checkout
• Growing use in e-commerce through Instagram Shops

7. Samsung Pay

Best for: Samsung device owners

Samsung Pay combines P2P transfers with mobile wallet functions. It works at more payment terminals than Apple Pay or Google Pay, thanks to its compatibility with both NFC and magnetic secure transmission (MST).

Key features:

• Broad merchant acceptance
• Earn Samsung Rewards points
• Supports debit, credit, and gift cards
• Built-in security with Samsung Knox

8. Remitly

Best for: International money transfers

If you often send money abroad, Remitly is a strong alternative. Unlike Cash App, which is U.S.-focused, Remitly specializes in international remittances with flexible delivery options such as direct bank deposits, mobile wallets, or cash pickups.

Key features:

• Send money to over 100 countries
• Multiple delivery methods
• Competitive exchange rates
• Express or economy transfer options

9. Wise (formerly TransferWise)

Best for: Low-cost global transfers

Wise is designed for affordable international money transfers with transparent fees and real exchange rates. It also offers a multi-currency account, making it a great option for freelancers and travelers.

Key features:

• Real mid-market exchange rate
• Multi-currency account and debit card
• Fast and secure transfers
• Ideal for international businesses

10. Western Union

Best for: Cash pickups worldwide

Western Union remains a global leader in money transfer services, especially for users who need to send or receive cash in person. Unlike Cash App, it offers a massive physical agent network in addition to online transfers.

Key features:

• 500,000+ agent locations worldwide
• Transfers to bank accounts, wallets, or cash pickup
• Trusted for over 150 years
• Higher fees but strong reliability

11. Xoom (a PayPal Service)

Best for: Fast international payments

Xoom specializes in fast cross-border money transfers, bill payments, and mobile recharges. Backed by PayPal, it’s a safe and reliable alternative to Cash App for global transactions.

Key features:

• Send money to 130+ countries
• Pay bills abroad
• Bank deposits and cash pickup options
• Competitive fees with PayPal integration

12. Revolut

Best for: All-in-one financial management

Revolut is more than just a money transfer app—it’s a digital banking solution offering currency exchange, budgeting tools, investing, and cryptocurrency trading. It’s perfect for people who want more financial features than Cash App provides.

Key features:

• Multi-currency wallet and debit card
• Cryptocurrency and stock trading
• Expense tracking and budgeting tools
• International money transfers

Final Thoughts

While Cash App is convenient for quick payments, these 12 alternatives each offer unique advantages—whether it’s global transfers with Wise, social payments with Venmo, instant bank transfers via Zelle, or all-in-one digital banking through Revolut.

When choosing the best option, consider:

• Purpose: Domestic vs. international transfers
• Device ecosystem: iOS, Android, or both
• Fees and exchange rates: Especially for global transfers
• Extra features: Budgeting, investing, business tools

By matching the right app with your needs, you can enjoy seamless, secure, and cost-effective digital payments beyond Cash App.