In this article, we will discuss: 10 Best Mobile Payments Stocks to Buy Now.
OpenAI recently launched “Instant Checkout,” a tool that allows users to make purchases immediately within ChatGPT, in collaboration with Etsy and Shopify. The technology is already available to ChatGPT Pro, Plus, and Free logged-in users in the United States who purchase from U.S. Etsy sellers, with over 1 million Shopify merchants soon to follow. According to OpenAI, customers will not be charged any additional fees, but merchants will pay fees on successful transactions. Following the news, US-listed Shopify saw an uptick of 4.5% in value, whereas Etsy’s shares increased 7.3%.
According to the business, “Shopify merchants will be able to sell directly through ChatGPT conversations — no links or no redirects, just seamless commerce.” The agentic commerce protocol that OpenAI developed with Stripe to facilitate payments will be made publicly available. The decision expands OpenAI’s revenue sources beyond subscriptions by using ChatGPT’s substantial user base and incorporating e-commerce directly into conversations.
With that said, here are the 10 Best Mobile Payments Stocks to Buy Now.
Our Methodology
We sifted through ETFs and online rankings to form an initial list of the 10 Best Mobile Payments Stocks to Buy Now. From the resultant dataset, we chose 10 stocks with the highest number of hedge fund investors, using Insider Monkey’s database of 983 hedge funds in Q2 2025 to gauge hedge fund sentiment for stocks.
Why are we interested in the stocks that hedge funds pile into? The reason is simple: our research has shown that we can outperform the market by imitating the top stock picks of the best hedge funds. Our quarterly newsletter’s strategy selects 14 small-cap and large-cap stocks every quarter and has returned 373.4% since May 2014, beating its benchmark by 218 percentage points (see more details here).
10. American Express Company (NYSE:AXP)
Number of Hedge Fund Holders: 70
American Express Company (NYSE:AXP) Board of Directors announced that shareholders of record on October 10, 2025, will be paid a regular quarterly dividend of $0.82 per common share on November 10, 2025.
American Express Company (NYSE:AXP) has benefited from years of faster growth as its loan and new card acquisitions have greatly surpassed those of its competitors. Historically, the business has prioritized payment networks over lenders. While this has not changed, and net interest income still accounts for approximately 25% of its revenue, the move toward a younger cardholder base and more lending features on its cards resulted in a 26.1% CAGR in net interest income from 2021 to 2024. It provided a significant tailwind for overall growth. Morningstar analysts predict that this growth will slow down considerably in 2025 and beyond since it was caused by certain products and strategic changes that have reached their limit. It is one of the Best Digital Money Stocks.
9. Block, Inc. (NYSE:XYZ)
Number of Hedge Fund Holders: 79
According to Morningstar analysts, Block, Inc. (NYSE:XYZ) can reach and retain micro merchants that are unfeasible for other acquirers. This is due to its legacy Square business model, which is defined by successful client onboarding, modern point-of-sale devices, flat fees, and an internally developed and integrated set of software solutions.
According to analysts, Square’s early success was mostly due to growing the acquiring market rather than taking significant market share from competitors. There is space for payment providers to grow steadily without gaining market share from one another, due to the ongoing transition toward electronic payments.
Block, Inc. (NYSE:XYZ) was established in 2009 and provides businesses with payment services as well as associated services. The business also introduced the Cash App, a network for individual payments. Square processed about $250 million in payments in 2024. It is among the Best Digital Money Stocks.
8. PayPal Holdings, Inc. (NASDAQ:PYPL)
Number of Hedge Fund Holders: 89
PayPal Holdings, Inc. (NASDAQ:PYPL) has announced that funds controlled by Blue Owl Capital will purchase about $7 billion in U.S. “Pay in 4” buy now, pay later (BNPL) loans over the next two years. The firm will keep running its customer-facing, servicing, and underwriting businesses.
PayPal Holdings, Inc. (NASDAQ:PYPL) introduced its Pay in 4 installment plan in 2020 as part of its broader BNPL plan, which is available in its largest markets. BNPL payments were $33 billion in 2024, up 21% from 2023, and average order values were over 80% higher than standard checkouts.
According to Jamie Miller, CFO at PayPal Holdings, Inc. (NASDAQ:PYPL), the deal frees up funds for important projects and supports a credit model that is light on the balance sheet. Ivan Zinn of Blue Owl referred to PayPal Holdings, Inc. (NASDAQ:PYPL) as “a leader in BNPL,” pointing to its size and clientele as sources of high-quality credit assets. It is ranked eighth on our list of the Best Digital Money Stocks.
7. Fiserv, Inc. (NYSE:FI)
Number of Hedge Fund Holders: 94
Fiserv, Inc. (NYSE:FI) announced the release of Content Next, a cloud-based content management and workflow platform jointly developed with OpenText. The solution’s fundamental AI, automation, and smooth connectivity with Google Workspace and Microsoft 365 are intended to assist financial institutions in automating their operations.
According to Fiserv, Inc. (NYSE:FI), Content Next reduces administrative delays by allowing banks and credit unions to handle workflows and permissions without IT assistance. As per the industry research cited by the business, automated processes can save operational expenses by 25-40%, expedite document turnaround by 30-50%, and reduce human processing time by up to 60%.
The platform has AI-powered capabilities for automated classification, document summarization, and search. Fiserv, Inc. (NYSE:FI) and OpenText will exhibit Content Next at the Fiserv Forum Client Conference 2025, with availability beginning in 2026. It is one of the Best Digital Money Stocks.
6. Nu Holdings Ltd. (NYSE:NU)
Number of Hedge Fund Holders: 97
Nu Holdings Ltd. (NYSE:NU) announced Q2 net income of $637 million, up 42% YoY on an FX-neutral basis, while revenues surged 40% to $3.7 billion, due to customer growth and engagement. The digital lender outperformed its peers with a return on equity of 28%.
Nu Holdings Ltd. (NYSE:NU) had an activity rate of 83.2% during the quarter, adding 4.1 million new clients to its total of 122.7 million. The monthly revenue per active user climbed 18% YoY to $12.2, but the cost of serving stayed at $0.80. Gross profit rose 24% YoY to $1.55 billion, whereas deposits shot up 41% YoY to $36.6 billion, with margins rising to 42.2%.
Nu Holdings Ltd. (NYSE:NU) had 107.3 million consumers in Brazil, accounting for more than 60% of the adult population. Mexico now has 12 million consumers, and Colombia has 3.4 million, with deposits up 841% year on year to $2.1 billion. It is among the Best Digital Money Stocks.
5. Sea Limited (NYSE:SE)
Number of Hedge Fund Holders: 102
BofA maintained its Neutral rating on the shares and increased the firm’s price objective for Sea Limited (NYSE:SE) from $200 to $206 on September 18. The company raised its Sea predictions for FY26-27 to account for a recent spike in commissions. It also noted that recent checks show that commissions are still going to EPS even when shipping discount vouchers are being offered.
As per Morningstar analysts, the firm’s primary long-term valuation driver will be Shopee. Sea Limited (NYSE:SE) began as Garena, a gaming company, before branching out into e-commerce in 2015. SeaMoney, Sea’s business, offers digital banking, lending, payment, and insurance services.
4. MercadoLibre, Inc. (NASDAQ:MELI)
Number of Hedge Fund Holders: 116
MercadoLibre, Inc. (NASDAQ:MELI) has established itself as a one-stop shop for Latin American commerce, and it is currently expanding to provide the same standard of service in financial technology products. The company has built a whole ecosystem of mutually reinforcing services, including a core marketplace backed by a payments and lending arm, a best-in-class shipping solution, and an increasingly strong advertising platform. The marketplace operator has successfully handled two of the largest e-commerce pain points by successfully funneling all of the platform’s gross merchandise volume through proprietary payment rails and shipping it via its own Mercado Envios service. Hence, surging digital payment usage and growing acceptability of online purchasing should support the firm’s long-term development narrative.
MercadoLibre, Inc. (NASDAQ:MELI) is Latin America’s largest e-commerce marketplace, with over 218 million active customers and 1 million active sellers in 18 countries, incorporated into its commerce network or fintech solutions when last reported. It is ranked fourth on our list of the Best Digital Money Stocks.
3. Capital One Financial Corporation (NYSE:COF)
Number of Hedge Fund Holders: 132
Morgan Stanley raised its price objective for Capital One Financial Corporation (NYSE:COF) to $267 from $261 on September 29, maintaining an Overweight rating. According to analyst Jeffrey Adelson, the company changed its assessment of the North American consumer finance group from cautious to in line.
Adelson pointed out that despite a slowdown in hiring, interest rates are declining, and short-term credit performance is getting better. These factors minimize the chance that consumer finance equities will decline. As Morgan Stanley advanced its models to 2027, it also increased pricing projections for the sector.
Capital One Financial Corporation (NYSE:COF) has a strong position to benefit from improving credit trends. Morgan Stanley’s research note states that the revised modeling and sector upgrading are reflected in the new target price of $267. It is among the Best Digital Money Stocks.
2. Mastercard Incorporated (NYSE:MA)
Number of Hedge Fund Holders: 158
Mastercard Incorporated (NYSE:MA) offers specific features that should attract investors’ attention. Firstly, Morningstar analysts believe that a wide moat surrounds the company and consider its place in the existing global electronic payment infrastructure to be virtually impenetrable, regardless of the continuous evolution of the payment market. Secondly, the firm takes advantage of the continuous transition to electronic payments, which should present several opportunities to leverage its wide moat and generate value in the long run.
Globally, digital payments exceeded cash payments only a few years ago, signaling that this trend still has a long way to go. Morningstar experts believe developing markets could provide a further spur of development even if growth in developed countries slows.
Lastly, Mastercard Incorporated (NYSE:MA) functions similarly to a tollbooth and is rarely impacted by smaller changes in the electronic payment market because it charges fees whether a customer uses a credit card, debit card, or mobile device. It is one of the Best Digital Money Stocks.
1. Visa Inc. (NYSE:V)
Number of Hedge Fund Holders: 167
Visa Inc. (NYSE:V) disclosed the general availability of the Visa Commercial Solutions Hub, a platform designed to streamline commercial payments for issuers and fintechs. The hub is now widely accessible after a pilot program, including flexible ad hoc payment alternatives, invoice and supplier payments, and end-to-end payables. Integration with accounting solutions is a key component that allows embedded financial capabilities.
The platform will be developed with generative AI at its foundation. AI-powered payables for workflow automation, embedded payments using Visa APIs, improved reporting and insights, and personalized user experiences are among the planned additions. SVP and Global Head of Product for Visa Commercial Solutions, Gloria Colgan, stated that the hub’s goal is to “reinvent” commercial payments by bringing disparate systems together into a single, AI-powered ecosystem. Visa Inc. (NYSE:V) announced that issuers and fintechs can now request consultations to integrate the platform. It is the Best Digital Money Stock.
While we acknowledge the potential of V to grow, our conviction lies in the belief that some AI stocks hold greater promise for delivering higher returns and have limited downside risk. If you are looking for an AI stock that is more promising than V and that has 100x upside potential, check out our report about this cheapest AI stock.
READ NEXT: 20 Best AI Stock To Buy Now and 30 Best Stocks to Buy Now According to Billionaires.
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