UPI Apps For Secure Online Payments

The global economy is increasingly shifting towards a cashless system, expanding the scope of UPI payments. In this context, numbers of UPI payment apps have emerged. Let’s take a look at the top 10 UPI Payment Apps in India.

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What Are UPI Payment Apps?

UPI or the Unified Payment Interface, is a platform that allows you to make online payments or cashless transactions directly from your mobile phone by linking multiple bank accounts through a single app. It simplifies the process for users with several bank accounts, eliminating the need to log into their system or bank apps to make the payment. UPI provides various features such as quick balance cbnñheck, making payments in a second by scanning the QR code, and easy account management within the app.

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Google Pay

Google Pay ranks at the top among the best UPI apps in India, known for its fast transactions. It was the first app to introduce the proximity feature for ease of use. Googo⅘le pay offers an exc TTellent user interface, attractive reward schemes and offers, a solid secure CMMity framework, and a feature-rich experience. It has a great user interface, top  re needward schemes and offers, an appropriate safety framework, and a feature loaded package. There is no need to upload KYC documents. All you need to do is link your phone number with your bank account. With over 2000  online merchant partners in India and more than 35% of market shares in UPI transactions.

 Google Pay Key Functionalities:

• Access exclusive offers on the top

•  Earn rewards for  previous transactions made

• Easily Send money to family and friends

• Over 100 million registered users 

• Reliable and trustworthy

PhonePe

PhonePe is one of the most widely used UPI apps in India, offering support in eleven Indian languages making it highly accessible to users from diverse regions. It performs all the standard functions of a UPI app with additional benefits. It has its own wallet, allowing users to add money for instant payment directly from the application.

Launched in 2015, Phonepay is among the first major players in the market that has established a strong presence in online transactions.

PhonePe Key Functionalities:

• Instant payment

• Check account balances

• Add money to the PhonePe wallet from your bank

•  account or using credit or debit card

• Access all your favourite apps in one corner

• One with one of the best security systems available 

Paytm

Paytm is a very popular app, trusted by small businesses such as local groceries, clothing, hardware shops, and more. It’s my favourite for online payments. Paytm adds an extra layer of security to protect the customer data while making an online transaction. 

Paytm Key Functionalities:

Superfast UPI payments

• QR code payments easily available at merchant’s shop

• Enjoy offers, cashback, and reward points on every transaction 

• Advanced triple layer security

• Paytm UPI Lite ensures quick reliable transaction even during peak hours

CRED

CRED is one of the popular UPI apps for payments. You can use it to scan and pay via UPI at stores, transfer money, pay utility bills, credit card bills, monthly rent, and more. This app also lets you check and improve your credit score. Users get 100% cashback on transactions and can use CRED coins to win amazing rewards, discounts, and other offers.

Key Functionalities:

• Simplified UPI payments 

• Easy split bills and make payments.

• Enjoy enhanced UPI security and privacy features. 

Freecharge

Freecharge is one of the best UPI apps in India, providing safe and seamless online payments. As a 100% subsidiary of Axis Bank, it serves over 100 million users nationwide. Freecharge provides a secure transaction for UPI users, backed by Axis Bank, with no delays or failures. Users can create a unique UPI ID linked to their bank accounts for secure payments. The app allows you to transfer money, pay bills, recharge mobile/DTH, and invest in digital gold, among other features. Freecharge also provides cashback rewards and exclusive deals for users.

Key Functionalities:

• Freecharge offers Buy Now Pay Later options and personal loans based on CIBIL scores.

• Small businesses can use Freecharge to issue gift cards to customers and send payment reminders.

• This app also provides banking services, helps manage financial goals, and offers financial ratings.

Mobikwik

Mobikwik is one of the top- rated UPI payment apps on the Play Store and iOS app store. Popular services such as Uber, Zomato, Dominoes, and IRCTC use  Mobikwik payment. It is very popular and has a great user interface. The app is easy to use and has a great interface. You can earn reward points, when you recharge your mobile or bill payments, which you can redeem later. Mobikwik also offers in-app digital loans up to Rs. 1 lakh without needing any paperwork. You can invest in mutual funds and buy health insurance directly through the Mobikwik app. It also has cashback and reward schemes at various online stores.

Key Functionalities:

• You can earn payback points from recharge or utility bill payments. Which can be redeemed later. 

• There are many cashback offers available 

• You can also take loans upto 1 lakh without any documents 

PayZapp

PayZapp is another popular UPI app from HDFC Bank, known for its various cashback offers and reward schemes on different merchant websites. This app includes a Visa virtual debit card for making payments. It plans to introduce proximity payments using soundwave communication similar to Google Pay. PayZapp provides a wallet option that can be used on all e-commerce websites in India. Users may also transfer money using VPA ID, QR code money transfer, and a PayZapp business account.

PayZapp Key Functionalities:

• Get Cashback and rewards on every online purchase.

• Use Virtual Visa debit card for online payments.

• Supports VPA ID and QR code money transfers.

• Future feature: pay using soundwave technology.

• No need to add money once your card is linked.

BHIM App

The BHIM app, launched by the National Payments Corporation of India to encourage a cashless economy, is very useful. It supports twenty languages, making it convenient for users from different regions and helping to increase UPI usage in remote areas.

BHIM app Key Functionalities:

• Backed by the guidance from the RBI.

• Validate your payment before finalising it

• Support 20+ languages.

• Send money by entering the account number and IFSC codes

• No additional charges or transaction fees

Axis Pay

Axis Pay is one of the best UPI apps in the country, making it easy to send money to a payee without needing to enter multiple account details. You can add a Virtual Payment Address(VPA) to the application for quick online transactions. Even if you don’t have an account in Axis Bank, you can still  use their  UPI service by adding bank accounts from other  providers.

Axis Pay Key Functionalities:

• Transactions can be done 24×7
• No need to register the payee
• Make direct payments using VPA
• No transaction charges
• Safe and secure transaction in collaboration with UPI

How To Choose The Right UPI App for You?

Consider the following suggestions when selecting UPI apps that will let you have a good experience with the app:

Security: Explore apps with strong encryption and two-factor authentication to ensure secure transactions.

Features: Identify which factors are most important to you, such as bill payments, recharges, in-store payments, or investment options.

User Interface: Select an app with a user-friendly that is simple to navigate.

Brand Reputation: Choose apps from reputable companies with a proven history of security and reliable customer service.

Rewards: There are lots of UPI apps which offer rewards to make transactions through their platform. Explore the frinterfaceequency and type of rewards available such as cashback, discounts, free subscriptions and more.

Conclusion – UPI Payment

The UPI payment apps listed above provide user friendly designs, strong security features, and smooth transactions. You can select the app based on your preferences, to ensure a convenient and efficient digital payment experience. 

FAQs – UPI Payment Apps