As a Canadian navigating the world of digital finance, I’ve found that mobile payment apps in Canada have revolutionized how we manage our day-to-day transactions. With the increasing shift towards cashless payments, these apps provide convenience and security, making it easier to pay bills, shop online, and send money to friends and family.
In this article, I’ll highlight my top ten mobile payment apps for 2025, each offering unique features and seamless user experiences. Whether you’re a long-time user or new to the scene, these apps will help enhance your financial interactions in Canada. Let’s explore the best options available!
1. Wise

Need a payment app that’s fast, affordable, and tailored for Canada? Wise is the answer. With Wise, I can send money to over 70 countries, including Canada, at the real mid-market exchange rate—no hidden fees or inflated costs. You’ll appreciate its multi-currency account, which lets you hold, convert, and manage 40+ currencies with ease. The Wise debit card also makes spending abroad seamless and budget-friendly. Whether you’re sending money to loved ones, paying bills, or managing international finances, Wise ensures your transactions are secure and efficient. Join millions of users and see why Wise is the leader in global payments.
2. PayPal

PayPal allows you to send money instantly and digitally to all around the globe, making it the ideal app for international transfers and payments. Users can transfer cash to each other digitally using only their PayPal accounts. PayPal can also be used to make payments for goods and services online and in-stores both locally and international. It is one of the best and one of the most used mobile payment apps in Canada.
3. Google Pay
Google Pay is a brilliant digital wallet that works similarly to any other payment apps. It is available for any Android device running version 4.4 and higher, which is almost all Android devices right now. Use Google Pay to shop online, make digital payments and transfers, make in-app purchases and many more. Moreover, you link your bank accounts to the Google Pay app, and start paying for products in-stores through QR codes or online.
4. Apple Pay

Apple Pay is an international digital wallet app that was launched in 2016 to give Apple users access to a global digital payment ecosystem. It can be utilized both in online marketplaces and at physical locations all across Canada to make payments, thanks to its NFC-based functionality. Moreover, Apple Pay has become one of Canada’s most popular payment apps due to its huge number of iPhone users. It is one of the most used mobile payment apps in Canada.
5. Starbucks app
Even though, it isn’t built to be an all-in-all e-wallet mobile app, Starbucks app is primarily created to enable users make payments at Starbucks locations. The Starbucks app’s early arrival into the mobile payment industry has made Starbucks one of most convenient coffee shops in Canada and has helped it create a dedicated customer base of its own. Whether you want to order coffee during a rainy day, make a drive-thru takeaway, or have some drinks in a Starbucks locations, this app is all you need to pay.
6. Samsung Pay

Samsung Pay is a mobile payment app and digital wallet platform that was designed by Samsung Electronics to make payments hassle-free and convenient. This app is compatible with any Samsung devices, meaning you can access it through your Samsung smartphones, smartwatches and gadgets. Use Samsung Pay by just adding your credit or debit card information to start making purchases and payments digitally or in-stores.
7. Square
Square is a payment app that specializes in business transactions, digital payment acceptance, rather than being a consumer-centric mobile app. Square is one of the most common ways for companies and stores in Canada to accept cashless payments. Their company sells both equipment and apps for POS systems, which enable on-location payments and every other type of transaction.
8. BMO Mobile Banking App
Using this BMO Mobile Banking App, digital payment has become easier than ever and can be done from anywhere and anytime. Users can also pay their bills with an option to set up automatic payments and schedule their payments beforehand. Through this app, users manage their payment and transaction deadlines. BMO Mobile Banking App also has BMO Total Look, which is an all-in-one money management tool. Users can also build their customized budget for better management of their finances and also keep a tab on their spending.
9. TD Mobile Bank
With TD Mobile Bank, users can now experience the latest and most up-to-date innovation banking features. The app contains a dashboard where all the necessary information including account balances, cash at hand, future bills and predicted income is shown. Their cash at hand feature is a new idea through which the users of this app can see how much cash they will be left with after the app adjusts their predicted income and expenses.
10. Payoneer
Payoneer is a financial technology business established in the United States that specializes in contactless transactions and international money transfers. It’s a versatile payment facilitator app that allows users to complete a wide range of digital payment operations. Furthermore, Payoneer is a mobile payment app that enables users to accept payments online, perform online payment transactions, and transfer money to banks from Canada to any other country in the world.
In the current age of COVID-19, contactless payments offer convenience, hygiene and simplicity. This has to the surge of many world-class mobile payment apps like Apple Pay, PayPal and Google in Canada. These apps allow you to make contactless payments in stores and online shops, as well as, transfer money worldwide.