P2P Payment Apps

Peer-to-peer payment apps allow instant money transfers between individuals via mobile. Dominated by US platforms like Venmo, not available in Europe.

3 Alternatives Found

Wero

France

Pan-European instant payment wallet by the European Payments Initiative, backed by 16 major European banks across Germany, France, Belgium and the Netherlands.

Key Features

P2P instant payments under 10 secondsQR code and phone number-based transfersBank account linked — no card number neededE-commerce checkout payments

Free for consumersFree for consumers; merchant transaction fees apply

Website

Swish

Sweden

Swedish mobile payment app operated by six major Swedish banks, enabling instant P2P transfers and merchant payments via phone number — used by over 8 million Swedes.

Key Features

Instant P2P transfers via phone numberQR code merchant paymentsRequest money featureIn-app payment history

Free for consumersFree for private use; small merchant fees apply

Website

Vipps MobilePay

Norway

Nordic mobile payment app formed by the merger of Norwegian Vipps and Danish MobilePay, covering Norway, Denmark and Finland with P2P transfers and merchant payments.

Key Features

Instant P2P transfers via phone numberMerchant payments via QR and appRecurring payments and subscriptionsSplit bill feature

Free for consumersFree for private use; merchant transaction fees apply

Website

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