Best Bharat Pay Apps

247+ iOS apps curated and reviewed

4.4 avg rating
20 free apps
Updated August 2026

The best bharat pay apps on iPhone average 4.4★ across 247+ titles — we've ranked them by what real users actually keep on their phones. Updated August 2026.

Compare top Bharat Pay Apps (August 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1BHIM Bharat's Own Payments AppBHIM Bharat's Own Payments AppFree4.4★ (1.4K)NoNoAug 2026
2PhonePe UPI, Payment, RechargePhonePe UPI, Payment, RechargeFree4.7★ (167K)NoNoAug 2026
3Paytm: Secure UPI PaymentsPaytm: Secure UPI PaymentsFree4.7★ (39K)YesNoAug 2026
4Flipkart - Online Shopping AppFlipkart - Online Shopping AppFree4.6★ (106K)NoNoAug 2026
5GeoCasetasGeoCasetasFreeNoJun 2026
6PayZapp UPI, Pixel Credit CardPayZapp UPI, Pixel Credit CardFree4.8★ (1.3K)NoNoAug 2026
7Airtel App: Recharge & BankAirtel App: Recharge & BankFree4.2★ (16K)YesNoAug 2026
8slice: UPI credit card & bankslice: UPI credit card & bankFree4.2★ (239)NoNoAug 2026

Top Picks for Bharat Pay

PhonePe UPI, Payment, Recharge#2

PhonePe UPI, Payment, Recharge by PHONEPE PRIVATE LIMITED

FASTag, Credit Card, Gold SIP
Strong Contender
💰 Finance
4.7😐(167K ratings)
Free
PhonePe UPI, Payment, Recharge screenshot 1
PhonePe UPI, Payment, Recharge screenshot 2
PhonePe UPI, Payment, Recharge screenshot 3
PhonePe UPI, Payment, Recharge screenshot 4
PhonePe UPI, Payment, Recharge screenshot 5
PhonePe UPI, Payment, Recharge screenshot 6

This app facilitates secure digital payments, including UPI transfers, mobile and utility bill recharges, and online/offline purchases. It also offers investment options in mutual funds and insurance policies.

What We Love

  • 🚀 Instant payments
  • 👍 User-friendly interface
  • 🔒 Secure transactions
  • 💡 Diverse payment options

Room to Improve

  • 🐛 Transactions failing or pending
  • 🔍 Lack of customer support
  • 🔍 Difficult to resolve issues
Paytm: Secure UPI Payments#3

Paytm: Secure UPI Payments by Paytm Mobile Solutions

UPI, Recharge & Pay Bills
Worth Considering
💰 Finance
4.7😞(39K ratings)
FreeAds
Paytm: Secure UPI Payments screenshot 1
Paytm: Secure UPI Payments screenshot 2
Paytm: Secure UPI Payments screenshot 3
Paytm: Secure UPI Payments screenshot 4
Paytm: Secure UPI Payments screenshot 5
Paytm: Secure UPI Payments screenshot 6

This app offers secure and private UPI payments, bill recharges, and online shopping. It provides features like personalized UPI IDs, international payments, and spend analytics for users in India and abroad.

What We Love

  • 🚀 Fast payments
  • 📱 Good all-in-one app
  • 💳 Convenient payments

Room to Improve

  • 🔒 Security issues
  • 🤖 Poor customer service
  • 🛑 Doesn't work internationally

More Bharat Pay apps to explore

4
Flipkart - Online Shopping App
Flipkart - Online Shopping App
Flipkart - Online Shopping App
by Flipkart Internet Private Limited
Free

Discover a vast selection of products from mobiles to groceries, with exclusive discounts and rewards. Enjoy rapid delivery of essentials in minutes and explore fashion trends, personal loans, and immersive shopping experiences.

Wide product selectionFast 10-minute deliveryGen-Z fashion hub
🛍️ Shopping
(106K)
free with in-app purchases
5
GeoCasetas
GeoCasetas
GeoCasetas
by Gestiona Sistemas Informaticos Velasco
Free
✈️ Travel
(0)
6
PayZapp UPI, Pixel Credit Card
PayZapp UPI, Pixel Credit Card
PayZapp UPI, Pixel Credit Card
Bill Payment, Recharge, Wallet
Free

Manage your finances with a digital credit card, UPI payments, and bill recharges. Link your existing cards, shop with vouchers, and earn rewards. Offers instant digital card access and secure payment options.

Digital credit card application and managementUPI payments and money transfersBill payments and mobile recharges
💰 Finance
(1.3K)
free with in-app purchases
7
Airtel App: Recharge & Bank
Airtel App: Recharge & Bank
Airtel App: Recharge & Bank
Bill Payment, Recharges, UPI
Free

Manage all your Airtel services, including mobile recharges, bill payments, and banking. Explore 5G Plus speeds, pay utility bills, and access exclusive offers and cashback.

Mobile prepaid and postpaid rechargesDTH and broadband bill paymentsUPI money transfer and QR payments
🌟 Lifestyle
(16K)
free with in-app purchases
8
slice: UPI credit card & bank
slice: UPI credit card & bank
slice: UPI credit card & bank
A new bank, for a new India
Free

This app offers a digital banking experience with a zero-balance savings account earning daily interest, high-return fixed deposits, and instant personal loans. It also facilitates fast UPI and automated bill payments with robust security.

Zero-balance digital savings accountDaily interest on savingsFixed deposits up to 7.75% returns
💰 Finance
(239)
free
9
Tabidule -旅行計画・旅のしおり作成-
Tabidule -旅行計画・旅のしおり作成-
Tabidule -旅行計画・旅のしおり作成-
by Taiki Nishimura
Free

Simplify and enhance group travel planning with this collaborative itinerary builder. Easily share ideas, organize schedules, and manage logistics with friends, family, or partners. Make trip preparation fun and efficient.

Real-time collaborative editingAutomatic travel time calculationQR code invitations and sharing
✈️ Travel
(0)
free with in-app purchases
10
BHIM SBIPay
BHIM SBIPay
BHIM SBIPay
by State Bank of India
Free

This app facilitates secure and instant money transfers between any bank customers using a single platform. It also allows users to pay for various services like recharges, food orders, and utility bills, with options for local deals and merchant payments.

Send and receive money between banksPay for recharges (prepaid, postpaid, DTH)Order food from multiple restaurants
💰 Finance
(99)
free
11
Dayforce Wallet: On-demand Pay
Dayforce Wallet: On-demand Pay
Dayforce Wallet: On-demand Pay
Get paid as you earn.
Free

Access your earned wages before payday with this app. Manage finances, set savings goals, and track spending all in one place. Transfer funds to a debit card for purchases or withdrawals, with no fees for on-demand pay.

Access earned wages on-demandTransfer funds to a debit cardManage earnings and track spending
💰 Finance
(56K)
free
12
DigiLocker
DigiLocker
DigiLocker
Simple &Secure document wallet
Free

A secure digital wallet for citizens to store and access important documents and certificates. This platform aims to reduce the need for physical paperwork by enabling digital issuance and verification.

Secure document storageDigital certificate issuanceDocument verification
📊 Productivity
(183)
free
13
rapid! Pay
rapid! Pay
rapid! Pay
rapid! Access PayCard OnDemand
Free

Access your PayCard and on-demand earnings instantly. Manage your accounts, transfer funds, deposit checks remotely, and pay bills. Earn cash back rewards and find nearby ATMs.

Activate/replace PayCardView balances and transaction historyTransfer funds between accounts
💰 Finance
(189K)
free
14
DailyPay On-Demand Pay
DailyPay On-Demand Pay
DailyPay On-Demand Pay
Your money, when you need it!
Free

Access your earned wages instantly, monitor your credit score, and build savings with automated tools. This app also offers curated deals and cash back on everyday purchases, all while providing 24/7 customer support.

Instant access to earned payReal-time earnings trackingFree credit score monitoring
💰 Finance
(478K)
free with in-app purchases
15
ZayZoon - Wages On-Demand
ZayZoon - Wages On-Demand
ZayZoon - Wages On-Demand
Benefit for Eligible Employees
Free

Access your earned wages instantly, any day of the week, to avoid late fees and payday loans. This app offers financial wellness tools like overdraft prediction and educational resources. It also provides options for increased spending power on gift cards for essentials.

Instant wage accessAvoid payday loansOverdraft prediction
💰 Finance
(40K)
free with in-app purchases
16
Paycom
Paycom
Paycom
by Paycom
Free

Manage HR and payroll tasks like checking schedules, requesting time off, and reviewing pay. Access employee information, track expenses, and complete training. Managers can approve requests and view team data.

Manage HR and payroll tasksView employee informationTrack time and expenses
💼 Business
(1.5M)
free
17
UMANG India
UMANG India
UMANG India
by National e-Governance Division
Free

Access a wide range of Indian government services from central, state, and local bodies through a single, unified mobile platform. This app simplifies access to essential services like healthcare, finance, education, and more, offering a convenient and secure way to interact with e-governance.

Unified government services platformMobile-first access to e-governanceIntegration with Digital India services
🔧 Utilities
(1.4K)
free
18
Razorpay - Accept Payments Now
Razorpay - Accept Payments Now
Razorpay - Accept Payments Now
Accept & track digital payment
Free

This app enables businesses to accept digital payments instantly through various methods like UPI, cards, and wallets. It simplifies payment tracking, allows for easy refunds, and supports both registered and unregistered businesses. Join a large community of businesses going cashless.

Accept payments via UPI, cards, wallets, net bankingInstant payment links for social media and emailTrack sales and digital payments in real-time
💰 Finance
(23)
free with in-app purchases
19
Bharat Gangaram
Bharat Gangaram
Bharat Gangaram
by RUDRI LIMITED
Free
🍔 Food & Drink
(0)
20
Instant Financial
Instant Financial
Instant Financial
by Instant Financial Inc.
Free

Access your earned wages instantly and fee-free, without waiting for payday. Manage your money, pay bills, and transfer funds with real-time financial control.

Fee-free wage accessReal-time earnings accessBill payment
💰 Finance
(9.9K)
free

FAQ about Bharat Pay

What are the best bharat pay apps for iPhone?
BHIM Bharat's Own Payments App tops our bharat pay apps ranking as of August 2026, with a 4.4-star average from 1.4K App Store ratings, and it's free to download.
Yes — 20 of the top bharat pay apps we rank are free to download, including BHIM Bharat's Own Payments App and PhonePe UPI, Payment, Recharge.
BHIM Bharat's Own Payments App has no ads and has no in-app purchases, according to its App Store listing as of August 2026.
We track 247+ bharat pay apps on the iOS App Store as of August 2026, ranked by rating, recency, and analysis of real user reviews.
BHIM (Bharat Interface for Money) is a UPI payment app developed by the National Payments Corporation of India (NPCI). It is designed to make digital transactions easier, safer, and faster for all Indian users with an intuitive interface and advanced security features.
Key features include a refreshed intuitive UI, Family Mode for managing payments, Spend Insights for expense monitoring, UPI Lite for small PIN-less payments, RuPay Credit Card on UPI, Credit Card on EMI options, UPI Circle for payments without a bank account, seamless bill payments, and light/dark mode options. It also allows for easy expense splitting with friends.

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