Best Bharat Pay Apps

207+ iOS apps curated and reviewed

4.4 avg rating
20 free apps
Updated May 2026

The best bharat pay apps on iPhone average 4.4★ across 207+ titles — we've ranked them by what real users actually keep on their phones. Updated May 2026.

Compare top Bharat Pay Apps (May 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1BHIM Bharat's Own Payments AppBHIM Bharat's Own Payments AppFree4.4★ (1.4K)NoNoJul 2026
2PhonePe: Secure Payments AppPhonePe: Secure Payments AppFree4.7★ (166K)NoNoAug 2026
3Paytm: Secure UPI PaymentsPaytm: Secure UPI PaymentsFree4.7★ (39K)YesNoAug 2026
4Paymennt | Payments on the goPaymennt | Payments on the goFree3.7★ (3)YesNoMay 2026
5slice: UPI credit card & bankslice: UPI credit card & bankFree4.2★ (213)NoNoAug 2026
6Flipkart - Online Shopping AppFlipkart - Online Shopping AppFree4.6★ (105K)NoNoAug 2026
7Airtel App: Recharge & BankAirtel App: Recharge & BankFree4.2★ (16K)YesNoAug 2026
8PayZapp UPI, Pixel Credit CardPayZapp UPI, Pixel Credit CardFree4.8★ (1.3K)NoNoAug 2026

Top Picks for Bharat Pay

PhonePe: Secure Payments App#2

PhonePe: Secure Payments App by PHONEPE PRIVATE LIMITED

UPI, Bills, FASTag, Recharge
Strong Contender
💰 Finance
4.7😐(166K ratings)
Free
PhonePe: Secure Payments App screenshot 1
PhonePe: Secure Payments App screenshot 2
PhonePe: Secure Payments App screenshot 3
PhonePe: Secure Payments App screenshot 4
PhonePe: Secure Payments App screenshot 5
PhonePe: Secure Payments App 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
Paymennt | Payments on the go
Paymennt | Payments on the go
Paymennt | Payments on the go
Your payments made simple
Free

This platform simplifies payment acceptance and management for businesses. It offers features like payment links, online shop creation, and subscription management, all with a focus on security and fast settlement.

Accept online payments via linksCreate customizable online shopsManage recurring subscriptions
💰 Finance
(3)
ad-supported
5
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
(213)
free
6
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
(105K)
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
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
9
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
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
(98)
free
11
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
12
Navi: UPI, Payments, Insurance
Navi: UPI, Payments, Insurance
Navi: UPI, Payments, Insurance
Pay, Borrow, Invest, Insure
Free

This financial superapp simplifies daily transactions with fast UPI payments, bill pay, and online recharge. It also offers investment options in mutual funds and digital gold, alongside health and motor insurance plans.

Fast UPI paymentsBill payments and rechargesMutual fund investments
💰 Finance
(225K)
ad-supported
13
bob World:Banking & Experience
bob World:Banking & Experience
bob World:Banking & Experience
Save Invest Borrow Shop
Free

This comprehensive banking app offers a digital experience for managing all your financial needs. It allows you to open accounts, save, invest, borrow, and shop securely, all from your mobile device.

Open digital savings account instantlyTrack expenses with spend analyzerInvest in government schemes
💰 Finance
(127K)
free
14
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
(54K)
free
15
Paid Keeper - Same Day Pay
Paid Keeper - Same Day Pay
Paid Keeper - Same Day Pay
Your money, when you need it
Free

Access your earned wages instantly, eliminating the wait for payday. This app provides early access to your income when you need it most.

Instant pay accessEarly wage withdrawalOn-demand income
💰 Finance
(5.2K)
free
16
Rain Instant Pay
Rain Instant Pay
Rain Instant Pay
Unlock your employer benefits!
Free

Access your earned wages and employer benefits instantly, anytime. Track your earnings, gain financial insights, and utilize a full suite of financial tools. Manage your money on your terms with secure, on-demand access.

Instant access to earned wagesTrack earnings in real-timeFinancial coaching and education
💼 Business
(40K)
free
17
PayMaster - Pay and Transfer
PayMaster - Pay and Transfer
PayMaster - Pay and Transfer
by Pay Master Solutions (Private) Limited
Free

This app simplifies everyday payments, allowing users to recharge mobile phones, pay bills, and transfer money securely. It offers in-app credit and supports multiple languages for a convenient user experience.

Cashless paymentsMobile rechargesBill payments
🌟 Lifestyle
(135)
free
18
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
(36K)
free with in-app purchases
19
Payactiv
Payactiv
Payactiv
On-demand pay and beyond
Free

Access your earned wages before payday, pay bills on time, and manage unexpected expenses with user-friendly digital tools. This app helps you achieve financial stability and reach your financial wellness goals without predatory loans or interest.

Early access to wagesGovernment payment early accessSpending and saving tools
💰 Finance
(78K)
free
20
Papaya: Securely Pay Any Bill
Papaya: Securely Pay Any Bill
Papaya: Securely Pay Any Bill
Fast & Secure Bill Payments
Free

This app offers a streamlined and secure method for paying all your bills, eliminating the need for multiple logins or mailing checks. It utilizes advanced technology to process payments quickly and efficiently, supporting various payment methods for a wide range of bill types.

Pay any billFast paymentsSecure processing
💰 Finance
(118K)
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 May 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: Secure Payments App.
BHIM Bharat's Own Payments App has no ads and has no in-app purchases, according to its App Store listing as of May 2026.
We track 207+ bharat pay apps on the iOS App Store as of May 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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