5 Best UPI Apps in India 2021 - Online Payment Apps

In the modern era, digital payment has gained a lot popularity, specially in last 3-4 years almost every smartphone user know about the digital payment and is using this method. From our digital wallet to upi payment everything can be done on our smartphones.


Benefits of UPI 

There are lots of benefits of using digital payment through your smartphone.

•No need to carry physical money.

•Easy to transact through your bank account.

•Easy bank to bank transfer.

•Do your recharges, pay your bills at home.

•Secure payment.

But, one must be careful while making online payments like:

•Never share your OTP with anyone, 

•Avoid online transactions under public WiFi 

•Don't share your mPin with anyone.

•Use secure online payments app.

Apart from the three points mentioned above that you should follow, finding a safe and secure online payment app is also a matter of concern. There are a lot of apps that misuse your data and can cheat you. So, we should be careful while choosing a secure payment apps in India.

Given below is the list of Best Payment App in India -:

  • Google Pay
  • PhonePay
  • Paytm
  • Amazon Pay
  • Bhim UPI

1. Google Pay

Google Pay (formerly known as tez) is online payment app of one of the most secure company Google. It is one of the most secure online payment app available in playstore and appstore. It has more than 100m downloads and 4.1 ratings of 6m reviews.

Make UPI transfers or do mobile recharges, bills and payments to businesses with your bank account with Google Pay, a simple and secure payments app by Google.

Join crores of Indians who are using Google Pay for all their payment needs. Refer friends, get the latest offers and earn rewards as you pay.

Features of Google Pay:-

•Multiple layers of security from your bank and Google:

Your hard-earned money is kept safely in your bank account and you have control over money leaving your bank account. With a world-class security system that helps detect fraud and hacking. Each transaction is secured with your UPI PIN, and you can safeguard your account with a device lock method such as your fingerprint. Google Pay works with all banks in India that support BHIM UPI.

•Conveniently pay broadband, electricity, gas bills and more:

You only need to link your biller accounts once, Google pay remind you thereon to pay your bill with just a few taps. Google Pay works with billers across the country.

•Easily recharge your mobile:

Recharge any prepaid mobile in fewer steps. Find the best and latest recharge plans as well as repeat recharge in one tap.You can also recharge your DTH connections across all providers.

•Check your bank account balance:

No need to visit the bank or ATM to see your bank balance, quickly view your bank account balance anytime, easily.

•Get rewarded:

Refer friends, get offers and earn cash rewards into your bank account as you pay.

•QR code payments:

Pay by phone through the QR code scanner at your favorite offline neighbourhood shops and merchants.

•Book flights, bus tickets and order meals:

Order your favourite food and book your travel easily within the app. Partners include Zomato, redBus, Goibibo, MakeMyTrip etc.

•Pay online with Google Pay:

Make payments on websites, apps or within the Google Pay app. When you checkout, look for the Google Pay logo or use your Google Pay UPI ID.

•Send and receive money directly from your bank account to any bank account, including those who are not on Google Pay, via UPI transfers There’s no need to worry about reloading wallets and you don't need to do additional KYC.

Using NPCI's (National Payments Corporation of India) BHIM Unified Payments Interface (BHIM UPI), money transfers are simple & secure with Google Pay. You must have an Indian bank account with a phone number linked to it to use this version of Google Pay.

2. Phonepe

Phonepe is an Indian payment app that allows you to use BHIM UPI, your credit card and debit card or wallet to recharge your mobile phone, pay all your utility bills and also make instant payments at your favorite offline and online stores. It is currently most using payment app in India. It has 100m+ downloads and 4.4 rating of 6m reviews.

Features of PhonePe:-

•Transfer money with BHIM UPI:

Send and request money from your contacts anytime, anywhere. Instantly transfer money to any mobile number with UPI and also send money to any bank account using an IFSC code. Save beneficiaries & manage multiple bank accounts across banks like SBI, ICICI, HDFC & 140+ banks.

•Check your account balance:

 No need to visit the bank or ATM to see your bank balance, quickly view your bank account balance anytime, easily.


•Recharge your mobile and DTH connection:

Recharge your prepaid mobile for operators like Jio, Vodafone, Airtel, Idea and Data card/DTH connections across leading providers like Tata Sky, SUN Direct, Airtel Direct, Videocon D2H. 

•Pay your Credit Card Bills:

Pay credit card bills for Visa, Amex, MasterCard, Rupay & Diners in just a few clicks!

•Pay Utility Bills:

Pay landline bills across Airtel, BSNL, Tata DoCoMo, MTNL, Reliance & electricity bills across 180+ billers like BESCOM, BSES, IGL, TNEB, MSEDCL. 

•Pay your water, gas and broadband bills:

Set Autopay and opt for recurring monthly bill payments using your credit card & never miss a bill payment again.

•Insure your health:

Get assured cash daily on hospitalisation. Plans offering up to Rs.5000 per day! No pre-medical test or medical bills required.

•Insure your car & bike:

Protect your two-wheeler with PhonePe’s bike insurance. Covers third-party damages as well. Protect your car against financial losses & damages with PhonePe’s car insurance. Premiums starting from Rs.2072/yr only!

•Domestic & International Travel Insurance:

Stay safe while travelling abroad with PhonePe’s International Travel Insurance. 24X7 support in 200+ countries!

•Manage your Wealth with Mutual Funds:

Grow wealth with the right balance of Equity and Debt, and plan for a brighter future.Save tax quickly and easily by investing in Tax Saving Funds on PhonePe.

•Make easy online payments:

Pay for electronics, mobiles, fashion, home and kitchen appliances across your favorite online shopping sites like Flipkart, Myntra.

•Make Safe, Contactless offline Payments

Scan and Pay via QR Code at local stores like kirana, food, medicines etc.

•Use your favorite Apps on PhonePe Switch

Use your favorite food, travel, shopping & grocery Apps on ‘PhonePe Switch’, without downloading them. Order food on Domino’s, Faasos, eat.fit, Box8 and more food apps. Make travel bookings, shop, play & do more.

3. Paytm

Paytm is one of the secure and oldest payment app. It was launched in the year 2009. Now, it is using by many if us. It has 100m+ downloads and 4.5 rating of 8m+ reviews.

Features of Paytm:-

•Bank to bank money transfer via BHIM UPI:

Send & receive money from any phone number or bank account directly in your bank account. Wallet KYC is not at all mandatory. Check account balance, add beneficiaries & manage multiple bank accounts across banks - State Bank of India (SBI), HDFC bank, ICICI Bank & all other 140+ banks in India which support BHIM UPI.

•Mobile & DTH recharges:

Find latest prepaid recharge plans & best mobile recharge offers on Jio recharge, Airtel recharge, Vodafone Idea (VI) recharge, MTNL & BSNL recharge. Also recharge data card online with Paytm. Recharge your DTH connections - Tata Sky recharge, Sun Direct recharge, Airtel DTH, Dish TV recharge, Videocon D2H recharge & get cashback offers. Recharge metro card- Mumbai, Hyderabad & Delhi metro card recharge. 

•Buy & Manage Fastag:

Buy & manage Fastag for any vehicle at minimum documentation using your Paytm Wallet. Use Paytm Wallet as your FASTag Account. Recharge Fastag for all major providers- ICICI, HDFC, Axis Bank, Bank of Baroda, IndusInd etc.

•Utilities Bill Payments - Electricity, Water, Gas, Broadband, Landline:

Make electricity bill payments across 60+ providers including - BESCOM, PSPCL, BSES, MSEB, UPPCL, TSSPDCL etc. Make water bills payment, Gas bills payment, Credit card bill payment & bills for Landline (Airtel, BSNL, MTNL, Reliance), Broadband, insurance premiums, E-Challan, Loan, Fee payment, Municipal etc. Paytm reminds you about the due bills & you can also set up auto payments.

•Safe, Secure & Contactless Payments at Offline Stores:

Easily Pay by UPI or Mobile Number or by scanning QR code at nearby kirana stores, pharmacies, restaurants, petrol pumps, retail stores etc.

•Pay at Online Stores:

Make payment at food delivery, grocery, shopping & entertainment apps/sites & other 100+ apps. 

•Book Hotels & Tickets for Trains, Bus, Flights

Domestic & international flights tickets for one-way or round-trips:

Check schedules, duration & get best offers. Book online bus tickets of UPSRTC, GSRTC, HRTC, MSRTC & 2K+ other bus operators. Check seat availability & get real-time updates. Hassle free IRCTC train ticket booking & cancellation using Paytm app. Check railway timetable, get ticket confirmation, PNR status & real time train running status.


Book upcoming movie tickets, events online & get amazing offers.

•Your favourite Apps on Paytm: 

Use your favourite food, travel, shopping & grocery Apps without downloading them such as- Domino’s, McDonald’s, Box8, Ola, Rapido & a lot more.

4. Amazon Pay

Amazon pay is an online payment app by Amazon. It is one of the most secure payment app and is mostly using by Amazon users. It has 100m+ downloads and 4.4 ratings of 6m reviews.

Features of Amazon Pay:-

•Payments made easier:

Send money to friends & family with Amazon Pay UPI easily through your phone contacts or invite them to send money and earn rewards.

•Pay on delivery: 

Load cash instantly into your Amazon Pay wallet at your doorstep and enjoy the convenience of one-click easy payments, faster refunds and no hassle of finding exact change


Make faster & safer online payments with Amazon Pay UPI and pay directly from your bank account.

•Recharges and bills:

Recharges, bill payments; including mobile phone, gas & electricity, flight bookings and more.


BHIM UPI is the Indian payment app made by Govt. of India under National Payments Corporation of India(NPCI). It is one of the most secure payment app. It has 50m+ downloads and 4.3 ratings of 850k reviews.

Features of BHIM UPI:-

BHIM (Bharat Interface for Money) is a UPI enabled initiative to facilitate safe, easy & instant digital payments through your mobile phone. 

•Easy Transfer:

Transfer your money from one bank to another by using BHIM UPI in your Smartphone.

•QR code payments:

Pay by phone through the QR code scanner at your favorite offline neighbourhood shops and merchants.

•Bills and Recharges:

Pay you electricity bill, water bill, gas bill or broadband bill easily with BHIM UPI

• Transaction limit is Rs. 40,000 per transactions

(Please note that your Bank’s Transaction Limit may vary from BHIM’s limit.)

Best payment app for iPhone:

If you are Apple user, then Apple Pay is one more option for you. Besides of all above mentioned apps, you can use Apple Pay for yor Payments and transactions. It is one of the most secure payment app for apple users. No need of introduction of Apple's privacy. We all know about the privacy of iPhone. Even you can use all the above-mentioned payment apps on your iPhone.

Best Payment app for Samsung phone:

Samsung Pay Mini

Samsung Pay mini is one of the most secure app for Samsung users. It comes with the privacy of Samsung.

Samsung Pay Mini is a digital payment app for selected Samsung smartphones. It is similar to other UPI Apps.

This app transfer money from one account to another using the UPI Payment system. So you can send money to your family and friends using the Samsung Mini App.

Along with that, it also gives the mobile wallet facility . In the mobile wallet, you keep money to use for mobile recharges, merchant payments etc. Through this app, you can add the Paytm and Mobikwik Wallets.

You can also use this app the pay at shops and malls.

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