4 Best UPI Payment Apps in India

Do you want to find the finest UPI app? Which option to choose and employ from the many possibilities available on the market. Because it is all about secrecy and financial matters, everyone should be extra cautious when utilizing the UPI payment method.

This post will teach you about India’s greatest payment app, which is fast, dependable, trustworthy, and secure.

What is UPI?

The unified payment interface, or UPI, was introduced in 2016. This method of payment is extremely important in people’s lives. It has dramatically altered people’s lives.

People nowadays do not take cash with them. They rely on UPI applications to make contactless payments. In this situation, selecting the best smartphone application becomes critical.

Here is a list of the best UPI Apps based on their performance and advantages and disadvantages.

4 Best UPI Payment Apps in India

1. Google Pay

As everyone knows, no one can replace Google in terms of trust and reliability. Google launched its digital UPI, google pay, on 8 January 2018. Which was started as Tez but later on, it was rebranded as Google pay. According to a report, it has processed 854.49M transactions in the last year.

Sending and receiving funds is simple, and the user interface is simple enough that anyone may use it. Aside from that, it offers a variety of other services like as ticketing, bill payment, cellphone recharge, shopping, and much more.

However, it has few advantages when it comes to disadvantages. You may be annoyed by its promotional notification because there is no way to turn it off.

It is, nevertheless, the best in its class in terms of performance and is compatible with both Android and iOS.

2. PhonePe

It is the most extensively used UPI payment option after Google Pay. It also has capabilities comparable to Google Pay, such as bill payment, mobile recharge, meal ordering, and shopping.

As per the NPCI, this application has had transactions of 902.03M last year. You can also pay your credit card bill using PhonePe. Its interface is quite simple, which gives a better user experience. But, it comes to its disadvantage, it contains a lot of banner ads, which is quite annoying for the users.

3. Paytm

Vijay Shekhar Sharma founded Paytm in Noida in 2010 as one of the first UPI payment methods. It has a fantastic user interface and is extremely popular in India. According to a cyber security outfit in the United States, the company’s data was hacked in 2020, and the perpetrators demanded money from Paytm.

However, Paytm has awesome features of shopping and money transfer, ordering food, booking a cylinder, and a wallet called Paytm wallet. Overall it is reliable and convenient for shopping and making payments.

4. Amazon Pay

Amazon doesn’t have a dedicated UPI App like Google pay and Phonepe. They give the facility of using amazon pay in their shopping application ‘Amazon.’ It has similar functionality but is quite complex while using it as a user. 

It does, however, allow you to shop using Amazon Pay balance from your Amazon digital wallet. You can also use this payment option to recharge your phone, pay your insurance fee, purchase food, and so on.

Final Thoughts

BHIM app, freecharge, Bhim axis pay, Jiopay, WhatsApp pay, Mobikwik, and others are some of the top UPI apps for making payments that have the similar functionality as the above apps. While using their applications, they all provide rewards and offers.


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