Google Wallet is the mobile payment app that's so close and yet so far. Were it not for its limitations on the Android side, it would be a strong contender for "Best App that Isn't Venmo." Boasting a simple interface, robust bill splitting abilities—well, for iOS users, anyway—and ability to send or receive cash from virtually anyone, Google Wallet checks most of the boxes when it comes to peer-to-peer payments, although we wish it would let you use a credit card rather than just debit cards.