Top UPI Apps in India to Make Payments 2024 – Review List

7 Best UPI App For Secured Payment & Cashbacks

Digital payments started in India after the 2016 demonetization. The Indian public became comfortable with digital transactions and today, we see a great boom in the world of UPI payments. It has simplified the process of making payments with just a UPI ID and phone click. And know the best UPI apps in India that are safe to use and get more cashback while using.

Further, with the rapid increase of the digital business world, UPI payment mode is also increasing as it is the fastest and most secure way to make payments online. Do you want to know which is the best UPI payments app in India? If, so then you are on the right page. In this article, we will discuss some of the top UPI apps that offer a secured transaction.

Table of Content

What is UPI?

UPI refers to the Unified Payment Interface, a secure and instant payment system developed by the National Payment Corporation of India. It facilitates an instant bank transfer facility regulated by the Reserve Bank of India. Using top UPI apps, you can make online payments, transfer payments to other accounts, and get rewards for saving extra money. Furthermore, here are a few benefits of using a Unified Payment Interface.

Benefits of Using UPI Apps

  • Instant Transfers: UPI transactions are processed in real time, ensuring instant money transfers between bank accounts. This feature is particularly useful for time-sensitive payments or emergencies.
  • 24/7 Availability: UPI services are available 24/7, including weekends and holidays. This constant accessibility allows users to perform transactions whenever needed, without being restricted by banking hours.
  • Security: UPI transactions are secure and adhere to strict security standards. Two-factor authentication (usually a combination of PIN and mobile OTP) adds an extra layer of protection, making it difficult for unauthorized users to access your account.
  • Linking Multiple Bank Accounts: UPI apps allow users to link multiple bank accounts to a single app, providing flexibility and the option to choose the desired account for transactions. This feature is especially beneficial for individuals who hold accounts with different banks.
  • Bill Payments and Recharges: UPI apps often integrate features for paying utility bills, mobile recharges, and other services. This consolidates various payment needs into a single platform, simplifying financial management for users.
  • Merchant Payments: UPI facilitates quick and hassle-free payments at various merchants, both online and offline. Users can make purchases without needing physical cards or cash, promoting a cashless economy.
  • QR Code Payments: UPI apps support QR code payments, allowing users to make transactions by scanning QR codes. This feature is widely used in retail outlets, making the payment process swift and efficient.
  • Cost-Effective: UPI transactions are generally cost-effective compared to traditional banking methods or other payment options. Many UPI services do not charge users for transactions, promoting financial inclusion.
  • Transaction History and Notifications: UPI apps provide detailed transaction histories and instant notifications, allowing users to track their spending and stay informed about their financial activities in real time.

List of Top UPI Apps in India

UPI Apps in India Ratings Download
Google Pay 4.1/5 Download Now
Phone Pe 4.3/5 Download Now
Paytm 4.6/5 Download Now
MobiKwik 4.5/5 Download Now
AmazonPay 4.6/5 Sign Up Now
Navi 3.8/5 Download Now

Learn in detail about all upi apps listed above in detail in this article,

1. Google Pay

Best Payments App in India

A highly secure and most used UPI app in India currently is Google Pay, the best digital wallet for online payments launched by Google. This best payment app in India that allows users to scan any particular QR code and make payments easily. With the UPI lite feature, you can make easy pinless small digital payments. Here are some Key features and benefits of using Google Pay the best unified payments interface,

  • Rewards & Offers: Cashbacks, online shopping coupons, and offers on every digital payment done you can find a new reward scratch card.
  • Security: An UPI application that enables high banking security. It protects every user’s banking information and makes sure there is a verified authentication pattern (biometrics/pin) for a user to log in and use the upi application.
  • Business Integration: From small to big business houses in India have integrated upi payments in their businesses for easy transactions.

2. Phone Pe

Best Payments App in India

One and best among the popular UPI payment apps in India, Phone Pe. Make seamless and real-time payments using this best payment app. Phone Pe is more than just a money transfer app, you can pay bills, recharge, and more. It’s versatile and robust in terms of features and security. Here are a few major things you can learn about this UPI application,

  • PIN-less Payments: easy and secure payments with a limit of 500 and below can be done using this feature on the Phone Pe app.
  • Recharges & Bill Payments: PhonePe enables users to recharge their mobile phones, pay utility bills, and make payments for various services directly from the app. This includes electricity bills, water bills, gas bills, and more.
  • Insurance & Mutual Funds: Expanded services on a UPI app with secure and limitless options can be found on this best payments app. Users can explore and invest in various financial products through the app.
  • QR Code Payments & Secure Transactions: Scan to make secure payments to the merchant’s account. This feature is mainly used for in-store transactions.
  • Subscription & Vouchers: Get great offers & discounts on making online payments for OTT subscriptions via PhonePe.

3. Paytm

Best UPI Apps in India

India’s leading upi payment app since 2010 by Vijay Shekhar Sharma. A highly secure app that gives various transaction options for users and is also a great platform for online bookings. Here few more important features to learn about Paytm,

  • Mobile Wallet: Firstly, Paytm started as a mobile wallet service, allowing users to store money in a digital wallet and make various transactions, including mobile recharges, bill payments, and online shopping.
  • Travel Bookings: From bill payments to bookings Paytm carries everything under its roof. You can book flights, trains, buses, and hotel tickets with Paytm and avail great discounts.
  • Movie & Event Ticket Bookings: You can book movie tickets for your selected seats events and concerts and also get great offers on these transactions.
  • Paytm Payments Banks: Paytm also operates a payments bank, which provides banking services such as savings accounts, fixed deposits, and digital debit cards. Users can manage their banking needs within the Paytm app.

Suggestive Read: Instant Free Paytm Cash Earning Apps

4. MobiKwik

Best Payments App in India

One of the leading fintech companies in India and the best among all the upi apps indeed. MobiKwik, India’s digital payment platform has been in the industry since 2009. Here are a few major key features of the best payment app in India that make it unique,

  • MobiKwik Wallet and Supercash: MobiKwik has its digital wallet, and users can earn “Supercash” as a form of cashback. Supercash can be used for future transactions on the platform.
  • Insurance and Loans: MobiKwik has expanded its services to include the purchase of insurance and applying for loans. Users can explore and avail of various financial products through the app.

5. BHIM – The Government UPI App

Best UPI Apps in India

BHIM stands for Bharath Interface for Money – it is an upi mobile app developed by NPCI. Under the Prime Minister of India, Narendra Modi BHIM was launched with the aim of cashless transactions and cultivating financial involvement among the citizens. Here are some of the key features of the BHIM UPI app,

  • Unified Payments Interface (UPI): Money transfer without the need for IFSC codes and bank details and seamless mode of payments.
  • Request Money: You can split bills and request money using the BHIM payments app from family & friends.
  • Language Support: The online payment app supports multiple languages so the regional audience in various parts of India gets to be part of new tech.
  • Integration with USSD (Unstructured Supplementary Service Data): Apart from the mobile app, BHIM can be accessed through USSD codes, making it accessible even on feature phones without internet connectivity.

6. AmazonPay

Best UPI Apps in India

The world’s largest e-commerce company offers digital payment services inside its shopping app. Transactions with third-party merchants, purchases within the platforms, and all kinds of bill payment options. Users can use their Amazon Pay account to check out quickly and securely without entering their payment information each time. Here are some best features of Amazon Pay,

  • Alexa Integration: Users who have enabled Alexa services can make payments with voice commands.
  • Refund & Purchase Protection: Amazon Pay transactions may be eligible for the same refund and purchase protection policies as regular Amazon purchases. This provides users with a level of confidence when using the service.
  • Availability: It is available in multiple countries and supports additional payment methods.

7. Navi

Best UPI Apps in India

Being one of the best fintech companies in India is now also a payments app. From insurance bills to mutual funds and instant loans everything is wrapped in one store. Here are some great features of Navi app,

  • Cash Loans: Get instant loan approvals by using this payments app and complete the KYC process.
  • Mutual Funds & Health Insurance.

Suggestive Read: 10 Best Instant Personal Loan Apps

Awareness of Fake Payment Apps – How to Recognise

Recognizing fake payment apps is crucial to safeguarding your financial information and avoiding potential scams. Here are some major tips to help you recognize and avoid fraudulent payment apps:

  • Trust official sources
  • Research about the UPI App
  • Beware of Unusual Promotions
  • App Permissions
  • Customer Support

About the author


Explore, learn, write - An creative writer getting to explore the tech view who feels it is a digital adventure. With good experience in SEO writing still she says to be a beginner in learning.

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