The world has gone digital, and we officially find ourselves in the Age of the App. With mobile apps so prevalent, it makes sense that they would change the way we make payments, too. 

The days of mailing cashier's checks and money orders are long past, thanks to the development of several key payment apps that simplify the payment process and make receiving money a breeze. But which one is the best to handle your money?

When it comes to your finances, these are the best payment apps to help you make and receive payments. 

PayPal

Best payment app overall

• Platforms: Android, iOS
• Cost:Free with an additional fee for currency conversion

PayPal has been a popular pick for many years, and it remains the best payment app today. Over 400 million users today use the service with easy QR codes to both pay and receive payments. If you have trouble paying your bill in full, there is the option to buy and now then pay over four interest-free payments. Simply choose the Pay in 4 option at checkout to proceed. 

Another unique option is the ability to pay with cryptocurrency. Instead of needing a crypto credit card, you can use PayPal as a taxable transaction at millions of stores, giving you one more option. PayPal is free to use, although there is an additional fee when you need currency conversion. Available via mobile app, PayPal also offers online access. Plus, when you sign up, there is a$5 reward when you spend$10 or more. 

Pros: 

• Free to pay
• Built-in security measures
• Multiple financing options

Cons:

• Lackluster customer service
• Drawn-out dispute process

CashApp

Best payment app for simplicity

• Platforms:Android, iOS
• Cost:Free

With Cash App, it is free to both send and receive money, saving you tons of money in transfer fees. Simply create a$cashtag and use it to make payments anywhere. The Cash Card bears the Visa? logo and enables you to make both in-person and online purchases using your Cash App balance. It is compatible with both Apple Pay and Google Pay for easier use. 

Getting cash is also simple. When you deposit$300 each month, you get three free ATM withdrawals per month. One of the best parts about Cash App is that you can receive your paycheck up to two days earlier when you open an account. 

You can also buy bitcoin starting at just$1 in a format that is user-friendly to both novice and experienced investors. There are built-in security measures to help keep your information private, such as verification locks and data encryption. 

Pros:

• Free to use
• Simple to use
• Tax filing tools

Cons:

• Lacking advanced features
• International limitations

Stripe

Best payment app for businesses

• Platforms:Android, iOS
• Cost:2.9% + 30