Best Upi Payments Apps

248+ iOS apps curated and reviewed

4.6 avg rating
20 free apps
Updated August 2026

Finding the right upi payments apps can be overwhelming with so many options. We've analyzed 248+ apps to bring you the best choices for 2026, from free options to premium solutions with advanced features.

Compare top Upi Payments Apps (August 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Paytm: Secure UPI PaymentsPaytm: Secure UPI PaymentsFree4.7★ (39K)YesNoAug 2026
2PhonePe UPI, Payment, RechargePhonePe UPI, Payment, RechargeFree4.7★ (169K)NoNoAug 2026
3BHIM Bharat's Own Payments AppBHIM Bharat's Own Payments AppFree4.4★ (1.4K)NoNoAug 2026
4Mony - UPI for Tourists & NRIsMony - UPI for Tourists & NRIsFree4.6★ (556)NoNoAug 2026
5PayZapp UPI, Pixel Credit CardPayZapp UPI, Pixel Credit CardFree4.8★ (1.3K)NoNoAug 2026
6Zennopay: UPI Scan, Pay AbroadZennopay: UPI Scan, Pay AbroadFreeNoNoMay 2026
7NiftyScan: PayNow, UPI & SGQRNiftyScan: PayNow, UPI & SGQRFreeNoYesJun 2026
8UPI MerchantUPI MerchantFreeNoNoMay 2026

Top Picks for Upi Payments

Paytm: Secure UPI Payments#1

Paytm: Secure UPI Payments by Paytm Mobile Solutions

UPI, Recharge & Pay Bills
Editor's Choice
💰 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
PhonePe UPI, Payment, Recharge#2

PhonePe UPI, Payment, Recharge by PHONEPE PRIVATE LIMITED

FASTag, Credit Card, Gold SIP
Strong Contender
💰 Finance
4.7😐(169K 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

More Upi Payments apps to explore

4
Mony - UPI for Tourists & NRIs
Mony - UPI for Tourists & NRIs
Mony - UPI for Tourists & NRIs
UPI Wallet for Tourists & NRIs
Free

This app enables tourists and NRIs to make seamless, cashless payments across India using UPI. Avoid currency exchanges, ATM lines, and card issues to explore local markets and hidden gems. Track expenses and enjoy secure transactions.

Cashless payments across IndiaPay at local markets and shopsAvoid currency exchange and ATM fees
💰 Finance
(556)
free
5
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
6
Zennopay: UPI Scan, Pay Abroad
Zennopay: UPI Scan, Pay Abroad
Zennopay: UPI Scan, Pay Abroad
Digital payments for Tourists
Free
💰 Finance
(0)
7
NiftyScan: PayNow, UPI & SGQR
NiftyScan: PayNow, UPI & SGQR
NiftyScan: PayNow, UPI & SGQR
Decode payment codes instantly
Free
🔧 Utilities
(0)
8
UPI Merchant
UPI Merchant
UPI Merchant
by UnionPay International Co., Ltd.
Free
💰 Finance
(0)
9
iMobile: Loan, Cards & Banking
iMobile: Loan, Cards & Banking
iMobile: Loan, Cards & Banking
Loans, Cards, Payment & FASTag
Free

This banking app provides over 400 services, including loans, savings accounts, fund transfers, and card management. It allows users to manage investments, make payments, recharge services, and book travel. Features include budgeting tools, rewards, and 24/7 chatbot assistance.

Apply for various loans (Personal, Home, Car)Open digital savings accounts and fixed depositsManage debit, credit, and forex cards
💰 Finance
(67K)
free
10
SuratPay Merchant
SuratPay Merchant
SuratPay Merchant
by THE SURAT PEOPLES COOPERATIVE BANK LIMITED
Free
💰 Finance
(0)
11
Gopay-Your Travel Companion
Gopay-Your Travel Companion
Gopay-Your Travel Companion
by GOPAY TECHNOLOGY LIMITED
Free
🔧 Utilities
(0)
12
GovHub Mobile
GovHub Mobile
GovHub Mobile
Government Payments Simplified
Free
💰 Finance
(0)
13
Importapay
Importapay
Importapay
Pay Vendors Abroad in Naira
Free
💰 Finance
(0)
14
UPGB M-Tarang
UPGB M-Tarang
UPGB M-Tarang
by Baroda U.P. Bank
Free
💰 Finance
(0)
15
Citizens Financial
Citizens Financial
Citizens Financial
by Citizens Financial
Free
💰 Finance
(0)
16
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
17
Universicoop
Universicoop
Universicoop
by Cooperativa De Ahorro Y Credito De La Universidad De Puerto Rico (universicoop)
Free
💰 Finance
(0)
18
mPOS UniCredit Bulbank
mPOS UniCredit Bulbank
mPOS UniCredit Bulbank
by DATECS OOD
Free
💼 Business
(0)
19
Platon: P2P
Platon: P2P
Platon: P2P
by Online Payments LLC
Free
💰 Finance
(0)
20
PayToday Mobile
PayToday Mobile
PayToday Mobile
by Adaire Technology Services AG
Free
💰 Finance
(0)

FAQ about Upi Payments

What are the best upi payments apps for iPhone?
Paytm: Secure UPI Payments tops our upi payments apps ranking as of August 2026, with a 4.7-star average from 39K App Store ratings, and it's free to download.
Yes — 20 of the top upi payments apps we rank are free to download, including Paytm: Secure UPI Payments and PhonePe UPI, Payment, Recharge.
Paytm: Secure UPI Payments shows ads and has no in-app purchases, according to its App Store listing as of August 2026.
We track 248+ upi payments apps on the iOS App Store as of August 2026, ranked by rating, recency, and analysis of real user reviews.
Paytm is a digital payments app built for India, offering secure UPI payments, mobile and DTH recharges, utility bill payments, and online shopping. It supports international UPI payments in several countries, making it convenient for Indian travelers.
Key features include secure and private UPI transfers with personalized UPI IDs, international payments, PIN-less payments with UPI Lite, RuPay credit card on UPI, UPI AutoPay for recurring payments, mobile/DTH recharges, utility bill payments, rent payments, and spend analytics.

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