How to Create an App Like Google Pay in 2025?

Are you planning to create an eWallet app like Google Pay? If true, you are not alone.

eWallets have come a long way, especially with this digital payment rush all around the world.

You are going to have an interesting, quick ride if you are going to make an app similar to Google Pay.

But, making an app like Google Pay is not that simple. It is a little bit of everything: from defined features to how much money it is going to cost you.

That being said – don’t get tensed, this blog post goes over all the details: what features you need, how you will pay, and how I make money for my app.

Read on to know how one will create an eWallet app like Google Pay. Let us begin.

Why Should You Build an eWallet App Like Google Pay?

The eWallet market is growing fast, and developing an app like Google Pay might be beneficial for your enterprise.

Now let’s discuss how this is a great idea!

1. Growing Market Demand

The global and regional use of digital payments reveals projections of $12.07 trillion by 2026 at a CAGR of 21.6%.

The fast-growing trend demonstrated that consumer adoption of mobile wallets is much higher than in the past.

Expansion of such a market is evident, and thus by creating an app like Google Pay, people will have an opportunity to use an effective payment service.

2. Accessibility and ease of use

Google Pay has been used due to its almost congestion-free interface.

More than 155 million users employ Google Pay around the globe. Users always seek convenience, and having an eWallet app that offers quick and secure payments will address this need.

An application is not only going to attract customers but can turn them into frequent transacting users.

3. Enhanced Security

A 2023 global report indicated that mobile wallet fraud amounted to approximately $3 billion proving the need for safety in payment applications.

A smart app like Google Pay with good and strong protection methods such as MFA and tokenization lying behind it, keeps user data safe and thus faithful users.

4. Increased Customer Retention

Mobile wallets also create value and as it has been observed, Google Pay has integrated loyalty programs which has positively impacted the retention of its customers.

It has been seen that 63% of customers prefer to spend more at a brand that has a mobile wallet with having reward and cashback facility.

Such features might assist you in maintaining constant traffic by creating similar options to the ones used by consumers.

Key Features for Your eWallet App Like Google Pay

Ok, you are now ready to build an eWallet app like Gpay. The question is, what eWallet features does it have to be outstanding? Let’s break it down.

1. User Registration & Profile Management

It should have a smooth sign-up process that is both user-friendly and secure.

Your app needs an easy and secure sign-up process. This is a no-brainer.

Allow users to register using their email, phone number, or even social media accounts. It’s all about making it as simple as possible.

2. Payment Processing & Integration

Your app needs to be able to do this seamlessly — whether it's peer-to-peer transactions or online purchases.

With major card payment gateways (Visa/Mastercard etc.) integrated, the whole process is frictionless.

3. Linking Bank Accounts & Cards

Bank accounts and cards must be linked by the user to the app. In this manner, they will be able to effortlessly send money or make a payment. The modal is secure, but also fast and pleasant too.

4. Peer-to-Peer (P2P) Transfers

This feature allows us all to send money among friends and family, exactly how Google Pay performs. Latency-free instant transfers are what users are after.

5. Bill Payments

Enable users to pay their bills right from the app. Utilities, rent bills; mobile top-ups whatever it is. The more mundane tasks you help somebody with, the better.

6. QR Code Payments

QR code payments are big. Allow scanning of a QR code at physical stores to pay. Quick, easy, and super user-friendly for both the consumer and merchant.

7. Top-Notch Security

Security is non-negotiable.

Your app must be as secure in the sense possible, just make sure it is.

Biometrics, encryption, and two-factor authentication are what users need to trust with their money.

8. Transaction Alert & Notifications

Provide your users with instant updates on their transactions.

Act as a confidence builder and tell them. This is where push notifications can help. So, consider it when you create an app like Google Pay.

Steps to Develop an App Like Google Pay: A Detailed Roadmap

Creating an eWallet app like Google Pay is a systematic work with clear strategy solid planning, and execution.

Following are Steps to develop an app like Google Pay, a basic roadmap for you to understand.

1. Market Research & Competitor Analysis

Before you jump in to create an app like Google Pay, thorough market research is crucial. Understand your target audience, their pain points, and expectations.

Study competitors like Google Pay, PayPal, and other successful apps.

Analyze their strengths and weaknesses to find opportunities for differentiation.

Knowing the market landscape will give you a solid foundation to develop an app like Google Pay, ensuring it meets user demands and outshines competitors.

Researching competitors also helps pinpoint features and new eWallet trends that will make your app stand out.

2. Wireframing & Prototyping

After completing your research, the next step in the Gpay-like app development process is to establish the foundation for your app’s design .

Wireframing serves as the initial phase in developing an app like Google Pay, as it visually outlines how users will navigate through the application.

Prototyping goes a step further by enabling you to create a functional model that tests the user experience (UX) and interface (UI).

Prototypes are essential for visualizing both the functionality and design before diving into full-scale development.

3. Choose the Right Tech Stack

Selecting the appropriate eWallet app tech stack is crucial when you decide to create an app like Google Pay. Opt for technologies that can manage high transaction volumes and guarantee scalability.

For mobile development, you can choose between native apps (iOS/Android) or a hybrid app that works on both platforms.

Your backend should be strong, secure, and scalable, with integration for a secure payment gateway.

The right tech stack ensures a smooth user experience and offers the flexibility to incorporate new features as your app evolves.

4. Development & Testing

It is where the juice of all these plans begins to flow.

Swiftly enable your developers to work on the front-end (UI/UX) and back-end, both database and payment gateways, as they relate to the eWallet like Google Pay.

Keep an eye out for fast pay and a secure environment for your users while developing. Be sure to implement strong encryption techniques and carry out vulnerability testing on the app.

It's crucial to test every stage of the Gpay like an app-building process to ensure seamless working, security, and a great user experience. Clear any bugs before the launch of your app.

5. Launch & Marketing

There comes a day when you will launch your app.

Now it's time to fix the launch. Create a buzz with social media, newsletters, and influencer campaigns. Don't forget to employ keyword descriptions and good screenshots while optimizing your app for app stores to get it noticed.

After launching, stay active by sending promotions, referral programs, or cashback offers to keep users engaged. Good marketing will make your app compete well and be adopted by users.

How Much Will It Cost to Develop an eWallet App Like Google Pay?

Now, let’s talk money – how much does it cost to develop an eWallet app like Google Pay?

Just let us mention that the price can change a little based on a lot of variables (features desired, platform i.e. iOS/Android where your development team is located).

Here is your magnified view;

• Core Features App ~$15,000 – $30,000

• Advanced App (Security, integrations, and more features; ~$30,000 to $60,000)

• High-end App – $60,000 to $150,00+

Of course, this is just the development cost . Don't forget about ongoing maintenance and updates, which will add to the budget.

Factors That Affect the Cost to Make an App Like GPay

Now let us understand, what decides how much does it costs to make an app like Google Pay. Development will vary in costs greatly because of how many different factors; we will have for you in little parts.

1. App Complexity

The higher the app, the higher the price.

It means we are going to build an app that will allow users to transfer money between each other.

• Simple App: If you’re focusing on basic functionalities (sending money, linking cards), it’s cheaper.

• Advanced App: You want AI fraud detection and location tracking in real-time or complex analytics that will scale the price up.

2. Platform (iOS, Android, or Both)

You have to decide if you want your app on iOS, Android, or both. Although developing for one platform is pricey, developing for both is recommended if you want a wider range of audience.

• Native Development — This is essentially making two separate apps, one for iOS and then Android. More time and cash are needed.

• Cross-platform Development: Flutter or React Native can be used to build such apps (that saves money)

3. Design Quality

Clean Design is One of the Key Reasons why users pick an app great. And, if you do not provide that, your digital app will fail . This is what we hold, users will only trust your app if it looks nice, innovative & extremely easy to use.

• UI/UX Design: When it comes to creating intuitive apps for both users and investors, good user interface (UI) design integrated with positive user experience (UX) is crucial.

• Custom Design vs Template: If you want a custom design that fits your brand perfectly, it’s going to cost more. Templates are cheaper but may look less unique.

4. Payment Gateway Integration

Integration of payment gateways is a must in order to be in the top eWallet App . The more payment processors you want to include (all of the other popular ones as well, eg: PayPal, Stripe, or Google Pay) the more that you will be charged. This might cost you currency management and the transaction fees for many currencies.

• Global vs Local: If internationally accepting payments (multiple currencies — your plan requires more which will be a more involved integration.

• Transaction Fees: It is worth knowing that most payment providers earn a small fee from each transaction, so you should model these into your pricing.

5. Security & Compliance

You are working with highly confidential financial data so, eWallet security is non-negotiable. You will have to incorporate the most secure measures, including end-to-end encryption, two-way authentication, and compliance with data regulations (GDPR, PCI-DSS, etc., etc.)

• Compliance Costs: Compliance with national or international standards may incur additional costs and effort, on the development front.

• Security Add-ons: Biometrics and anti-fraud systems will add cost to your budget, making the budget of course less…

6. Development Team Location

The location of your development team is a big factor here.

Developers in Eastern Europe / Southeast Asia charge less than North American or Western European developers.

• Onshore: If you outsource development to the US or Europe- you will have to pay top dollar.

• Offshore Development: Outsourcing to countries like India, Ukraine, or the Philippines can help reduce costs, but there might be challenges related to communication, time zones, and quality control.

7. Maintenance & Updates

After your app launch, you need to keep maintaining and deploying updates for the app. It is about fixing bugs, introducing new stuff, and keeping pace with the latest security patches.

The maintenance of the app on an annual basis costs somewhere between 15%-20% of the initial development costs.

Monetization Strategies: How to Make Money from Gpay Like App?

You Built the app – now how do your income from this?

Nothing guarantees that once you create an eWallet app like Google Pay, you’ll start earning with your product. But, we can. Let us break down app monetization models for you.

1. Freemium Model

Provide a Lite version of your app with limited features and then sell premium features (faster transactions, larger transfer limits, or even the enhanced security feature) for a fee. Users will appreciate having an option to pay for a premium.

2. Transaction Fees

Dish out minor fees for some kinds of transactions that are mainly from international transfers, or huge bill payments. We mean super easy side hustle to not be annoying to your users.

3. In-App Advertising

Advertise within your app so you can make some cash. As long as they aren't too super annoying in your eyes I suppose, they can be actually providing a ton for free. This can be a great way to make Gpay like App Development Cost back.

4. Subscription Plans

Create a subscription for premium features. For example, An annual subscription could enable users to access some premium rewards better security, or faster processing of transactions.

5. Partner Promotions

Partner up with companies or service providers. You can give users rebates or discounts in social networks where the user makes his purchase using your app and you will get a revenue percentage for every successful transaction.

How Techanic Infotech Can Help You Build an App Like Google Pay?

EWallet market is growing rapidly, facilitated by the soaring demand for cashless transactions and digital payment solutions.

Building an app like Google Pay would be a good entry point into this market. Techanic Infotech, a professional eWallet app development Company , can help you build a highly secure, feature-rich mobile wallet with seamless payment gateway integration.

These solutions can include peer-to-peer transfers, bill payments, and advanced security measures, such as encryption and multi-factor authentication.

Hire us to get the best!

Conclusion

Rapidly expanding due to a growing appetite for cashless transactions and digital payment solutions, the eWallet market is there for the taking.

Building an app like Google Pay would be a good jumping-off point into this field. A professional app development company, Techanic Infotech does well at helping build a robust, feature-rich mobile wallet with seamless payment gateway integration.

Such features might include peer-to-peer transfers, paying bills, and enhanced security features, such as encryption and multi-factor authentication.

Emphasizing usability, the very designs can readily conform to the cross-library compatibility and evolution in the field of digital payments owing to the seamless integration of this software to evolve according to modern demands.