usually comes from of bank account or credit card or is topped up in cash the app lets you pay by clicking a button scanning a q.r. code or with near field communication i use mostly because they're really convenient because you can pay everywhere and anywhere with your mobile phone and it takes away the hassle of dealing with cash audit ring with physical credit cards with mobile payments you can just get a q.r. code and that comes directly from your bank account. user should look out for fees though often sending money to friends is free of charge but many providers make a profit on other transactions pay pal charges 5 percent on international money transfers for instance that can become costly in the long run. so here's a checklist for finding that you wallet that's best for your needs what countries and currencies does it work and how can i top it up what payment options do i have