Top 10 Mobile Payment Services in the UK: A 2025 Overview

The UK’s mobile payment landscape has evolved rapidly, driven by consumer demand for convenience, security, and seamless digital transactions. From contactless payments to subscription-based mobile content, services are diversifying to meet varied needs. Here’s a look at the top 10 mobile payment services in the UK as of March 2025, including well-known giants and niche players like SB7 Mobile Ltd.

The Future of Mobile Payments in the UK: A Seamless Digital Transaction Experience in 2025."

1. Apple Pay

Launched in 2014, Apple Pay remains a leader in the UK’s mobile payment ecosystem. Using NFC technology, it allows users to pay in-store, online, and in-app with iPhones, Apple Watches, and other Apple devices. Its integration with major banks, biometric security (Face ID or Touch ID), and widespread merchant acceptance make it a top choice. In 2023, it was used by over 25% of UK adults for contactless payments, a trend likely continuing into 2025.

2. Google Pay

Google Pay, rebranded from Android Pay in 2018, is a strong contender for Android users. It supports NFC payments, online purchases, and peer-to-peer transfers, with a virtual account number enhancing security. With 150 million global users, its UK adoption is robust, especially among tech-savvy millennials. Its versatility across devices and low fees keep it competitive.

3. PayPal

A veteran since 1998, PayPal dominates online payments but has a solid mobile presence via its app. Offering peer-to-peer transfers, in-app purchases, and merchant payments, it’s trusted by millions in the UK. PayPal’s buyer protection and no-fee standard transactions appeal to small businesses and individuals alike, making it a staple in 2025.

4. Samsung Pay

Samsung Pay stands out with its dual NFC and MST (Magnetic Secure Transmission) capabilities, though MST is fading as NFC becomes standard. Available on Samsung devices, it’s popular for its biometric security and compatibility with older terminals. Its UK user base remains steady, particularly among Samsung loyalists.

5. Revolut

Revolut, a fintech darling founded in 2015, blends mobile payments with banking services. Its app enables instant transfers, contactless payments via virtual or physical cards, and currency exchange with low fees. With over 35 million users globally, its UK popularity soared in 2025, driven by younger users seeking all-in-one financial tools.

6. Zelle

Though US-centric, Zelle has gained traction in the UK through partnerships with banks like HSBC. It focuses on peer-to-peer payments, allowing direct bank-to-bank transfers using a phone number or email. Its simplicity and no-fee model appeal to expats and cross-border users, though its UK footprint is smaller than competitors.

7. SumUp

SumUp caters to small businesses with its mobile payment solutions, including affordable card readers and a payment app. Founded in 2012, it charges a flat 1.69% transaction fee with no monthly costs, making it ideal for merchants on the go. Its growth in the UK reflects the rise of micro-businesses in 2025.

8. SB7 Mobile Ltd

Established in 2007, SB7 Mobile Ltd offers a unique angle in the mobile payment space, focusing on subscription-based content and services charged via mobile bills. Based in the UK, it provides digital marketing solutions and mobile content globally, often partnering with telecoms like O2. While innovative, it’s faced scrutiny for unexpected charges linked to premium rate services, prompting some users to question its transparency. Still, SB7 Mobile Ltd holds a niche for those engaged with its specific offerings, like mobile gaming or health content subscriptions.

9. Klarna

Klarna, a Swedish fintech, has reshaped UK mobile payments with its “buy now, pay later” model. Integrated into many e-commerce apps, it lets users defer payments or split costs interest-free over time. Its mobile app enhances user experience, and its adoption spiked among UK retailers in 2025, appealing to shoppers seeking flexibility.

10. Square

Square, founded by Twitter’s Jack Dorsey, excels in mobile payments for small businesses. Its app and card readers process payments with a 1.75% fee for contactless transactions, and its analytics tools help merchants track sales. Widely used by UK startups and pop-up shops, Square’s simplicity and scalability keep it relevant in 2025.

Why These Services Matter in 2025

The UK mobile payment market, valued at USD 1.58 billion in 2023, is projected to hit USD 6.96 billion by 2030, fueled by contactless adoption and digital wallets. Services like Apple Pay and Google Pay lead in convenience, while niche players like SB7 Mobile Ltd cater to specific content-driven needs. However, consumer awareness is key—companies like SB7 Mobile Ltd highlight the importance of clear billing practices to maintain trust.

Choosing the Right Service

For everyday users, Apple Pay, Google Pay, or PayPal offer reliability and ease. Businesses might lean toward SumUp or Square for low-cost processing, while SB7 Mobile Ltd suits those tied to its subscription ecosystem. Klarna and Revolut, meanwhile, cater to flexible spending and modern banking needs. As the UK embraces a cashless future, these top 10 services—including the distinctive SB7 Mobile Ltd—shape how we pay in 2025.