Best Upi Payments Apps

4.7😞(39K ratings)

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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
🐛 Buggy app and transactions
📱 Horrible user experience
🔑 KYC issues

PhonePe UPI, Payment, Recharge by PHONEPE PRIVATE LIMITED

FASTag, Credit Card, Gold SIP

Strong Contender

4.7😐(170K ratings)

Free

PhonePe UPI, Payment, Recharge screenshot 1

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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
🚀 Fast and convenient

Room to Improve

🐛 Transactions failing or pending
🔍 Lack of customer support
🔍 Difficult to resolve issues
🔍 Unreliable service
🔍 Inconsistent performance

BHIM Bharat's Own Payments App by National Payments Corporation of India (NPCI)

Bharat Interface for Money

Worth Considering

Mony - UPI for Tourists & NRIs

4.4(1.4K ratings)

Free

BHIM Bharat's Own Payments App screenshot 1

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This UPI payment app simplifies digital transactions for all Indians with an intuitive interface and advanced security. It offers features like expense tracking, bill payments, and the ability to manage family payments.

More Upi Payments apps to explore

UPI Wallet for Tourists & NRIs

Cashless payments across IndiaPay at local markets and shopsAvoid currency exchange and ATM fees

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.

(556)

iMobile: Loan, Cards & Banking

Loans, Cards, Payment & FASTag

Apply for various loans (Personal, Home, Car)Open digital savings accounts and fixed depositsManage debit, credit, and forex cards

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.

(67K)

PayZapp UPI, Pixel Credit Card

Bill Payment, Recharge, Wallet

Digital credit card application and managementUPI payments and money transfersBill payments and mobile recharges

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.

free with in-app purchases

(1.4K)

UPI Merchant

by UnionPay International Co., Ltd.

Zennopay: UPI Scan, Pay Abroad

(0)

Digital payments for Tourists

UTKARSH SMALL FINANCE BANK

Instant secure paymentsQR code paymentsVPA payments

Facilitate instant and secure financial transactions using various methods like QR codes, Virtual Payment Addresses (VPAs), and Account + IFSC. Supports UPI Lite for faster, smaller transactions and Tap & Pay for contactless payments.

Airtel App: Recharge & Bank

Bill Payment, Recharges, UPI

Mobile prepaid and postpaid rechargesDTH and broadband bill paymentsUPI money transfer and QR payments

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.

🌟 Lifestyle

(16K)

free with in-app purchases

BHIM IOB UPI

by IOB

Virtual Payment Address creationSend money and collection requestsBalance inquiry for VPA linked accounts

This app allows users to make and receive payments using a virtual payment address linked to their bank account. It supports balance inquiries, QR code payments, and managing payees and VPAs. Registration requires a registered mobile number and SIM card for device binding.

by Dhanlaxmi Bank Ltd.

Link multiple bank accountsSend and receive moneyInitiate collect requests

This application allows users to link multiple bank accounts from different banks to a single platform for all their banking needs. It facilitates sending and receiving money, initiating payment requests, and making merchant payments through virtual IDs and QR codes.

(0)

OmniCard: UPI, Card & Rewards

Your Daily Payments UPI App

UPI payments without a bank accountCorporate card for business expensesExpense tracking and receipt uploads

This app simplifies business expense management for employees by allowing them to track, categorize, and submit expenses digitally. It offers UPI payments, corporate cards, and fund requests, all without needing a traditional bank account. Enjoy quicker reimbursements and streamlined administrative tasks.

by State Bank of India

Send and receive money between banksPay for recharges (prepaid, postpaid, DTH)Order food from multiple restaurants

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.

(99)

UPI Merchant - Mobile Receive

by Sinopay (Singapore) Private Limited

This banking application allows users to send and receive money using a virtual private address. It facilitates various payment methods including P2P, P2A, and Aadhaar payments, and provides transaction history and beneficiary management.

Send and receive money via Virtual Private AddressSupports P2P, P2A, and Aadhaar paymentsInitiate and authorize collect requests

(2)

Razorpay - Accept Payments Now

Accept & track digital payment

Accept payments via UPI, cards, wallets, net bankingInstant payment links for social media and emailTrack sales and digital payments in real-time

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.

free with in-app purchases

(23)

NiftyScan: PayNow, UPI & SGQR

Decode payment codes instantly

slice: UPI credit card & bank

🔧 Utilities

(0)

A new bank, for a new India

Zero-balance digital savings accountDaily interest on savingsFixed deposits up to 7.75% returns

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.

(249)