Use This Chart to Pay for Anything Without Going Near Your Wallet

Bless you technology: Making payments, sending cash, and most importantly receiving money is easier than ever before.

Gone are the excuses of empty pockets because you always have your phone on you! Thanks to the invention of mobile payment apps, you can pay bills, split tabs, and send money to friends and family at the touch of a button. Hook your credit or debit card up to one of these apps and let the magic happen—just be sure you understand how it works and you know how to use your app safely. (Speaking of which, do you know about these seven online scams?)

If your wallet ever goes missing and you decide to freeze your credit, these apps will be more than helpful. Lucky for you, we whipped up this helpful chart to make sense out of all those new mobile payment apps out there. Pin it so your pals can be in the know too!

Money management apps are convenient, but be sure not to overuse them. This is what happens when you file for bankruptcy.

Use-This-Infographic-To-Never-Have-to-Carry-Cash-AgainTatiana Ayazo/


  • Free to send/receive money to friends within the U.S., but business transactions (like eBay) cost 2.9% plus $0.30 USD of the amount sent/received


  • Use this app (on BlackBerry, iOS and Android) to transfer money to friends with accounts, usually within 1 to 2 business days, via a bank account, credit, or debit card (using a credit card incurs a 3% fee)
  • Sending money is like writing an email: You post what it’s for, then add the amount to transfer.

Google Wallet

  • Put all your cards on a smartphone, which you can tap on machines at supporting checkouts within the U.S. to pay for purchases (add a 2.9% fee for linking to a bank account or debit card)
  • Spend funds as soon as you receive them—no waiting

Square Cash

  • Like Venmo: Send or receive cash through an app, site, or by email, though payments can take longer
  • Users 18 and over can send money through Snapchat’s texting service

Facebook Messenger

  • Link a debit card to your account; then tap the $ sign when you’re in Messenger and enter the amount to send
  • Money transfers can take up to three business days

Apple Pay

  • Add credit or debit cards to the Wallet app to pay at store checkouts with your iPhone, iPad, or Apple Watch
  • Works anywhere at over a million stores (complete list here), including some airlines.

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Alexa Erickson
Alexa is an experienced lifestyle and news writer currently working with Reader's Digest, Shape Magazine, and various other publications. She loves writing about her travels, health, wellness, home decor, food and drink, fashion, beauty, and scientific news. Follow her travel adventures on Instagram: @living_by_lex, send her a message: [email protected], and check out her website: