When planning to develop a digital wallet app like Google Pay, one of the most pressing questions you might have is:
How much does it cost?
On average, the cost to develop an app like Google Pay ranges from $50,000 to $300,000, depending on factors like app features, design complexity, and development region.
Whether you’re looking to create an app like Google Pay with basic functionalities or a robust platform packed with advanced features, understanding the costs upfront is essential for proper planning.
In this blog, we’ll break down everything you need to know about the cost to build an app like Google Pay, the factors influencing it, and how you can get the most value for your investment.
Understanding Google Pay
Google Pay is a widely recognized eWallet app that simplifies payments, making transactions seamless for users worldwide.
Launched by Google, this app combines security, speed, and convenience, enabling users to send money, pay bills, and shop online or offline effortlessly.
But what makes it stand out?
Features like UPI integration, QR code payments, and multi-layered security protocols set Google Pay apart from its competitors.
Its user-friendly interface and compatibility with multiple devices have further contributed to its global success.
Here are some eye-catching statistics that highlight its dominance:
- 1.2 billion transactions per month globally.
- Ranked among the top 5 most downloaded finance apps in 2024.
- Handles over 34% of digital payments in the U.S.
These figures indicate why building an app like Google Pay in 2025 is a lucrative opportunity.
Whether you’re targeting individual users or businesses, an app like this provides unmatched potential for growth.
Essential Features for a Google Pay-Like App
To create an app like Google Pay, incorporating the right features is critical to ensure its usability, security, and scalability.
Here are 15 essential eWallet features your app should have:
- User Registration and Authentication
A seamless onboarding process with OTP or biometric authentication ensures security and ease of use. - Multi-Language Support
Cater to diverse audiences by offering regional language options. - Secure Payment Gateway Integration
Enables safe transactions by integrating popular gateways like Stripe or PayPal. - UPI (Unified Payments Interface) Integration
A must-have feature to enable direct bank-to-bank transfers. - QR Code Payments
Allow users to scan and pay instantly, simplifying in-person transactions. - Bill Payment Options
Include utilities like electricity, water, and phone bills to boost convenience. - Transaction History
Let users view and track their past transactions easily. - Push Notifications
Keep users informed about offers, payments, or important updates in real-time. - Reward and Loyalty Programs
Incentivize users with cashback or reward points for frequent usage. - Bank Account Integration
Link multiple accounts to facilitate easier money transfers. - Card Management
Allow users to add, manage, or remove credit and debit cards securely. - Spending Insights
Provide visualized spending analytics to help users manage finances better. - 24/7 Customer Support
Integrate chatbots or a helpdesk for instant problem resolution. - Advanced Security Features
Include two-factor authentication, encryption, and fraud detection systems. - Offline Mode Payments
Enable payments without an internet connection for added convenience.
With these features, your app can offer a seamless experience while ensuring users’ trust and engagement.
Reasons to Create an App Like Google Pay in 2025
Building an eWallet app like Google Pay in 2025 is not just a smart move, it’s a strategic one.
Here are three compelling reasons, backed by real statistics, that highlight why this is the perfect time to dive into the eWallet app development space:
- Booming Digital Payments Market
The global digital payment market is projected to grow to $20 trillion by 2030, with a compound annual growth rate (CAGR) of 18.5%.
Users are shifting away from cash transactions, preferring secure and convenient payment options like Google Pay.
- Rising Smartphone Penetration
By 2025, there will be 7.49 billion smartphone users worldwide, creating a massive user base for mobile payment apps.
With increasing internet accessibility, even rural areas are embracing digital payments.
- Government Incentives for Cashless Economies
Many countries, including the U.S., India, and the EU nations, are pushing for cashless transactions with incentives like tax rebates and subsidies.
This fosters an ideal environment for apps like Google Pay to thrive.
These trends indicate a golden opportunity for businesses aiming to create an app like Google Pay to tap into a fast-growing and highly profitable market.
Average Cost to Develop an App Like Google Pay
Developing an app like Google Pay involves multiple cost factors, ranging from design to deployment.
On average, the cost to develop an app like Google Pay can range between $50,000 and $300,000.
This variation depends on your app’s complexity, feature set, and development location.
Here’s a quick breakdown of the cost range:
| Development Stage | Cost Range (USD) |
| App Design | $5,000 – $15,000 |
| Basic Features Development | $15,000 – $50,000 |
| Advanced Features Development | $25,000 – $80,000 |
| Backend and API Integration | $10,000 – $30,000 |
| Testing and QA | $5,000 – $20,000 |
| Deployment and Maintenance | $10,000 – $30,000 |
These eWallet app development cost estimates are for reference and can vary based on your specific needs.
For instance, incorporating advanced features like blockchain integration or AI-based fraud detection can increase the budget.
While the cost to build an app like Google Pay might seem significant, it’s an investment that pays off with high user engagement and long-term ROI.
For better insight into the same, it’s highly recommended that you consult an app development company.
They will be able to give you a better quote.
In any case, in next section, let’s see what are the factors that can affect app development cost.
Factors That Affect the Cost to Develop an App Like Google Pay
The cost to develop an app like Google Pay is influenced by several factors, each playing a crucial role in the final budget.
Let’s dive deeper into these factors to help you understand their impact on development costs and optimize your investment.
1. App Complexity
The complexity of your app is one of the primary cost drivers.
Apps with basic features like user registration, simple payment gateways, and transaction history cost less than apps with advanced features like AI-based fraud detection, multi-currency support, and blockchain integration.
| Complexity | Estimated Cost (USD) |
| Basic Features | $30,000 – $50,000 |
| Advanced Features | $80,000 – $150,000 |
Opting for advanced functionalities will enhance user engagement and provide a competitive edge, but it will also increase the cost to build an app like Google Pay.
2. Platform Choice
The decision to develop your app for Android, iOS, or both directly impacts the cost.
While targeting a single platform minimizes expenses, a cross-platform app ensures broader audience reach, making it a worthy consideration for businesses looking to create an app like Google Pay.
| Platform | Estimated Cost (USD) |
| Single Platform | $50,000 – $100,000 |
| Cross-Platform | $100,000 – $150,000 |
Choosing the right platform depends on your target audience and budget, with cross-platform apps offering higher ROI despite higher initial investment.
3. UI/UX Design
A seamless, visually appealing design is critical for retaining users in an eWallet app.
Minimalistic designs with intuitive navigation cost less, while complex interfaces with animations and custom visuals demand a higher budget.
| Design Type | Estimated Cost (USD) |
| Basic Design | $5,000 – $10,000 |
| Advanced Design | $15,000 – $25,000 |
Investing in superior UI/UX ensures your app not only attracts but retains users, enhancing the overall usability of your Google Pay clone app.
4. Backend Development
Backend systems form the foundation of your app, ensuring smooth data handling and secure transactions.
A simple backend supports limited features, while a complex backend accommodates scalability and advanced functionalities.
| Backend Complexity | Estimated Cost (USD) |
| Simple Backend | $10,000 – $20,000 |
| Complex Backend | $30,000 – $50,000 |
Efficient backend development is essential to provide users with a seamless experience while reducing operational costs in the long run.
5. Third-Party Integrations
Integrating third-party APIs for payment gateways, analytics, and maps enhances your app’s functionality.
The type and number of integrations significantly influence the cost to create an app like Google Pay.
| Integration Type | Estimated Cost (USD) |
| Basic APIs | $5,000 – $10,000 |
| Advanced APIs | $15,000 – $30,000 |
For a competitive app, prioritize advanced integrations like multi-bank linking and AI-based customer support.
6. Security Features
Security is a non-negotiable aspect of any project where you are developing eWallet app.
Incorporating features like two-factor authentication, data encryption, and fraud detection ensures user trust but comes with additional costs.
| Security Level | Estimated Cost (USD) |
| Basic Security | $5,000 – $10,000 |
| Advanced Security | $20,000 – $40,000 |
Investing in top-notch security helps protect user data, ensuring compliance with industry standards while boosting app credibility.
7. Development Team Location
Where your development team is based plays a significant role in the overall app development cost.
Hiring a team from regions with lower hourly rates can reduce expenses without compromising quality.
| Region | Hourly Rate (USD) |
| North America | $100 – $200/hour |
| Eastern Europe | $40 – $70/hour |
| Asia | $20 – $50/hour |
Offshore development is a viable option for businesses aiming to lower the cost to make an app like Google Pay.
8. Testing and Quality Assurance
Thorough testing ensures your app is free of bugs and performs well under varying conditions.
Both manual and automated testing have their cost implications.
| Testing Type | Estimated Cost (USD) |
| Manual Testing | $5,000 – $10,000 |
| Automated Testing | $15,000 – $25,000 |
Allocating a sufficient budget for QA ensures a flawless user experience and a higher retention rate for your app.
9. App Maintenance
Post-launch maintenance, including updates, bug fixes, and customer support, is crucial for keeping your app competitive in the long run.
| Maintenance Scope | Annual Cost (USD) |
| Basic Maintenance | $10,000 – $20,000 |
| Comprehensive Support | $30,000 – $50,000 |
A well-maintained app like Google Pay can build trust and ensure sustained user engagement, leading to long-term success.
10. Advanced Features (Optional)
Optional features like blockchain integration and AI-driven fraud detection elevate the functionality of your Google Pay app clone, albeit at a higher cost.
| Feature Type | Estimated Cost (USD) |
| Blockchain Integration | $20,000 – $50,000 |
| AI Features | $30,000 – $60,000 |
Incorporating these features future-proofs your app, providing users with cutting-edge solutions and increasing ROI.
These factors play a pivotal role in determining the cost to develop a Google Pay-like app, helping you allocate resources efficiently. Prioritize based on your business goals to strike the right balance between cost and value.
Steps to Create an App Like Google Pay
Developing an app like Google Pay requires careful planning and execution.
Here’s a concise overview of the process to help you understand the key stages involved in building a successful eWallet app.
1. Market Research and Ideation
Begin by analyzing your target audience, competitors, and market trends.
Identify the features that will make your app stand out and align them with user needs.
This step ensures that your app idea is both viable and profitable.
2. Requirement Gathering and Planning
Collaborate with a professional eWallet app development company to outline the app’s technical requirements, features, and functionalities.
A clear roadmap helps streamline the development process.
3. UI/UX Design
Create intuitive designs and user-friendly interfaces that resonate with your target audience.
Ensure the design prioritizes simplicity, easy navigation, and a seamless user experience.
4. Backend Development
Build a robust backend architecture to handle transactions, data storage, and integrations.
This ensures scalability and smooth app performance.
5. Frontend Development
Develop the app’s user-facing components for Android, iOS, or both.
Ensure compatibility across different devices and platforms to maximize your audience reach.
6. Integration of Key Features
Add essential features like secure payment gateways, QR code scanning, transaction history, and customer support.
These features are critical for the functionality of a Google Pay-like app.
7. Testing and Quality Assurance
Test the app rigorously to identify and fix any bugs or performance issues.
This step ensures the app meets quality standards and delivers a seamless experience.
8. Launch and Deployment
Deploy the app on your chosen platforms. Follow app store guidelines to ensure a smooth approval process.
9. Post-Launch Maintenance
Provide regular updates, add new features, and address user feedback to keep the app competitive and user-friendly.
By following these steps, you can successfully build an app like Google Pay that meets user expectations while staying ahead of competitors.
App Development Timeline
Creating an app like Google Pay involves several stages, each with its own timeline.
On average, the development process takes around 6 to 12 months, depending on the complexity and features you want to implement.
Here’s a breakdown of the timeline for each phase:
| Development Stage | Time Required |
| Market Research & Planning | 2 – 4 weeks |
| UI/UX Design | 4 – 6 weeks |
| Backend and Frontend Development | 12 – 20 weeks |
| Integration of Features | 6 – 10 weeks |
| Testing and Quality Assurance | 4 – 6 weeks |
| Deployment | 2 – 3 weeks |
Key Considerations for the Timeline
- App Complexity: Adding advanced features like blockchain or AI-based fraud detection can extend the timeline.
- Team Size and Expertise: A skilled and experienced eWallet app development company can help you meet deadlines efficiently.
- Third-Party Integrations: API integrations for payment gateways or analytics tools might require additional time.
By planning effectively and choosing the right development partner, you can streamline the process and ensure timely delivery.
Monetizing Google Pay App Clone
Monetizing an app like Google Pay involves exploring various revenue streams to ensure a strong return on investment (ROI).
Here are the top monetization strategies you can implement, along with the revenue potential for each:
1. Transaction Fees
Charge a small percentage or fixed fee for every transaction processed through the app. This is one of the most reliable ways to generate consistent revenue.
Potential Revenue: Depending on transaction volume, this could amount to millions annually for high-traffic apps.
2. Premium Membership Plans
Offer a subscription-based premium version with added features such as faster payment processing or exclusive discounts.
Potential Revenue: Subscription models can generate recurring income and increase user engagement.
3. Merchant Partnerships
Collaborate with businesses to promote their products or services on your platform. In return, earn a commission for each successful sale.
Potential Revenue: High-traffic apps can earn significant income from affiliate partnerships.
4. In-App Advertising
Display targeted ads to users and earn through clicks or impressions. Ensure the ads do not disrupt the user experience.
Potential Revenue: Apps like Google Pay can generate $10,000+ per month with effective ad placements.
5. Data Insights and Analytics
Provide anonymized user data and insights to businesses for market research purposes. Ensure compliance with data privacy laws.
Potential Revenue: This can bring in thousands of dollars monthly, depending on demand.
6. Referral Programs
Introduce a referral system where users earn rewards for inviting others, while you benefit from increased app adoption.
Potential Revenue: Boosts user base, leading to increased transaction volume and higher overall earnings.
7. White-Label Solutions
License your app’s core technology to other businesses looking to develop their own payment solutions.
Potential Revenue: High-margin revenue stream for well-built apps.
By combining these strategies, you can ensure a steady stream of income while maintaining user satisfaction. Each method can be tailored to your business goals, making your app a lucrative venture.
eBizneeds – Here to Help You
Looking to build an app like Google Pay? At eBizneeds, we specialize in eWallet app development and have a proven track record of delivering cutting-edge solutions tailored to your unique requirements.
Our team of experts ensures that every aspect of your app, from design to deployment, meets the highest industry standards. Whether you want to integrate advanced security features, streamline payment processes, or create an intuitive user experience, we’ve got you covered.
With eBizneeds, you get:
- End-to-end development services.
- Scalable and secure solutions.
- Post-launch support and maintenance.
Transform your app idea into a reality with eBizneeds, your trusted eWallet app development company. Let’s create something extraordinary together!
Conclusion
Developing an app like Google Pay is a promising venture in today’s digital-first world. With the growing adoption of mobile payments and increasing user demand for secure and seamless transaction solutions, investing in an eWallet app can unlock immense opportunities.
From understanding the essential features to evaluating the cost to develop an app like Google Pay, every step plays a vital role in your app’s success.
Now that you have a complete roadmap, the question isn’t if you should build your app, it’s when.
FAQs
The cost ranges from $50,000 to $300,000, depending on the app’s features, complexity, and development location.
Key features include secure payment gateways, QR code payments, transaction history, UPI integration, and advanced security protocols.
On average, the development process takes around 6 to 12 months, depending on app complexity and requirements.
Yes, popular strategies include transaction fees, premium memberships, merchant partnerships, in-app advertising, and referral programs.
eBizneeds offers end-to-end development services, secure and scalable solutions, and expert post-launch support tailored to your needs.
Naveen Khanna is the CEO of eBizneeds, a company renowned for its bespoke web and mobile app development. By delivering high-end modern solutions all over the globe, Naveen takes pleasure in sharing his rich experiences and views on emerging technological trends. He has worked in many domains, from education, entertainment, banking, manufacturing, healthcare, and real estate, sharing rich experience in delivering innovative solutions.
