10 Best UPI Apps in India You Should Use in 2021

0
121
10 Best UPI Apps in India You Should Use in 2021
Introduced in 2016, Unified Payments Interface (UPI) performs a significant function in enabling digital funds in India. UPI apps have helped Indians make cashless transactions – a facet that modified from merely a luxurious to a necessity in the course of the coronavirus pandemic. If you’re planning to start out utilizing UPI apps or are questioning if there are UPI apps that supply higher options and expertise, listed below are the highest UPI apps you should use in India proper now.

Best UPI Apps in India (2021)

1. Google Pay

Google Pay began off as an India-first cell funds app ‘Tez’ and finally acquired rebranded. According to NPCI’s latest figures, the platform processed 854.49 million buyer transactions price Rs.1,76,199.33 crores in December. You can use Google Pay for sending and receiving cash from pals & household, cell recharge, invoice funds, and extra.

google pay interfaceIn addition, from the Business part of Google Pay, you possibly can make the most of mini-apps for meals supply, journey reserving, toll funds, and buying to call a couple of. The app additionally provides cashback by scratch playing cards for transactions. The drawback I discovered on the subject of Google Pay is that you possibly can’t choose out of in-app occasions or individually disable promotion notifications, which might get annoying at occasions.

Pros:

  • Clean UI with no in-app third-party intrusive adverts
  • QR code funds
  • Screen Lock for safety
  • Mobile Recharge, DTH & Electricity Bills

Cons:

  • Intrusive in-app occasions with no choice to opt-out (Eg. Diwali stickers, Go India)
  • Promotion notifications with out an choice to disable
  • Unreliable at occasions
  • No pockets

Download Google Pay (Android | iOS)

2. PhonePe

PhonePe is among the greatest UPI cost apps you should use in India. In reality, PhonePe surpassed Google Pay by way of transactions in December. According to NPCI, the app witnessed 902.03 million transactions price Rs. 1,82,126.88 crores. Apart from UPI funds, PhonePe helps you recharge your cellphone, pay bank card payments, on-line buying, medical health insurance, and far more.

phonepe home pageLike Google Pay, you get cashback for PhonePe transactions. What I don’t like about PhonePe is that the app is cluttered with banner adverts all over the place. In addition, the interface can get overwhelming for brand new customers.

Pros:

  • Wallet for seamless transactions
  • QR code funds
  • Screen Lock for safety
  • Mobile Recharge, DTH, Electricity Bills, Cylinder Booking, and extra

Cons:

  • Too many banner adverts
  • Slightly outdated UI
  • Overwhelming UX

Download PhonePe (Android | iOS)

3. Paytm

If you’re dwelling in India, you’ve most likely heard of Paytm. Thanks to its market penetration methods, Paytm is broadly accepted and acknowledged nearly all over the place in India. As a outcome, you received’t have any bother making cashless funds by Paytm within the nation. Paytm’s UI was absolute chaos earlier than, however current updates have made it tolerable with fast entry to important options.

paytm UPI App

Pros:

  • Paytm Wallet
  • QR code scanning
  • Screen Lock for safety
  • Modern interface
  • Mobile Recharge, DTH, Electricity Bills, Cylinder Booking, and extra

Cons:

  • Too many explainer banners
  • Incoherent UI and UX

Download Paytm (Android | iOS)

4. Amazon Pay

Although Amazon doesn’t have a devoted Amazon Pay UPI app, you possibly can use the UPI performance throughout the Amazon Shopping app. One key benefit of Amazon Pay is the seamless integration for buying utilizing Amazon Pay Balance – Amazon’s digital pockets. Like different UPI apps on this record, you should use Amazon Pay to ship and obtain funds. You even have cell recharge, payments, travels, insurance coverage, reward playing cards, and extra. Amazon Pay is among the most rewarding apps with ample cashback and low cost provides. You can entry Amazon Pay from the Amazon app’s sidebar.

Amazon Pay interface

Pros:

  • Amazon Pay Balance
  • QR code scanning
  • Fast UPI funds
  • Mobile Recharge, Bills, Travel, Insurance, and extra options

Cons:

  • No devoted app
  • Not simple to entry
  • Basic interface

Download Amazon Pay (inside Amazon app) (Android | iOS)

5. BHIM

If you’re searching for an easy app from the makers of UPI, BHIM app ought to be your decide. Unlike a lot of the different UPI apps, you possibly can set a customized UPI of your alternative on the BHIM app so long as it isn’t taken. Apart from this, you may have normal options together with sending and receiving cash, invoice funds, and requesting cash. You also can find close by retailers that help UPI normal from BHIM app.

BHIM UI

Pros:

  • Official app from NPCI
  • Custom UPI IDs
  • Screen Lock
  • Locate Nearby UPI Enabled Shops
  • (Relatively) Bloat-free interface

Cons:

  • Not fluid – there are noticeable body drops throughout navigation
  • Some UI parts look outdated

Download BHIM (Android | iOS)

6. Freecharge

Freecharge was one of many main cost apps in India a couple of years again, however its recognition is on the decline within the current previous. Don’t get me mistaken, the app nonetheless managed to course of 1 million transactions price 59.9 crores in December of 2020. However, Freecharge shouldn’t be as common because it was once. You can use Freecharge for UPI transactions, cell and DTH recharges, Google Play top-ups, and extra. The app has slight neumorphic design cues, particularly within the backside navigation bar, which elevates the general aesthetic.

Freecharge UI

Pros:

  • Clean and Visually pleasing UI
  • Custom UPI ID
  • Wallet
  • QR Code Scanning
  • Mobile, DTH, Broadband funds

Cons:

Download Freecharge (Android | iOS)

7. Mobikwik

Mobikwik is another choice you possibly can take into account in case you want a feature-rich UPI app. One distinctive side of Mobikwik is that you would be able to generate UPI-powered private cost hyperlinks for seamlessly receiving cash from different UPI app customers. Mobikwik additionally provides the pliability of recharge and invoice funds, paying bank card payments, and far more. Mobikwik’s workforce has additionally packed an expense supervisor that can assist you monitor all of your spending and get a transaction historical past with out counting on an expense tracker app.

Mobikwik UPI App

Pros:

  • Wallet
  • Expense Manager
  • Personal Payment Link
  • QR Scanning
  • Security PIN

Cons:

  • Banner adverts
  • Patriotic sentiment-driven app ranging from emblem, splash display screen, and UI background

Download Mobikwik (Android | iOS)

8. BHIM Axis Pay

Contrary to common false impression, you should use Axis Bank’s BHIM Axis Pay app even in case you don’t have an account in Axis Bank. Just like different UPI apps, you possibly can obtain and set up BHIM Axis Pay to make UPI funds. You additionally get extra options like on-line recharges, DTH recharges, bank cards (for Axis financial institution prospects) by this app. The expertise of utilizing this app is in step with what you get with different conventional banking apps.

BHIM Axis Pay

Pros:

  • Custom UPI IDs
  • QR Code Scanning
  • Online recharges
  • DTH recharges

Cons:

  • Traditional Banking App Interface
  • Setup course of wants cell community knowledge

Download BHIM Axis Pay (Android | iOS)

9. Jio Pay

As the identify suggests, Jio Pay is the cost resolution of Reliance Jio. Available throughout the MyJio app, Jio Pay provides UPI funds, invoice funds, QR code scanning, and a passbook to maintain monitor of your transactions. If you’re somebody who makes use of Reliance Jio’s software program choices by MyJio app, JioPay is one thing you shouldn’t miss out on.

jiopay home

Pros:

  • Bill Payments
  • QR Code Scanning
  • Discounts from associate providers

Cons:

Download Jio Pay (inside MyJio app) (Android | iOS)

10. WhatsApp Pay

Lastly, we now have the controversial WhatsApp Pay. After years of authorized hurdles, WhatsApp lastly managed to launch its UPI funds service in November of 2020. While the utilization of WhatsApp Pay was a modest 0.31 million in November, it grew exponentially to 0.81 million in December. However, the utilization additional declined in January. Just when WhatsApp Pay began to broaden, the corporate discovered itself in bother over a privateness coverage replace that led customers to maneuver in the direction of privacy-friendly alternate options like Signal and Telegram.

WhatsApp Pay UIIt’ll be attention-grabbing to see WhatsApp Pay’s utilization figures of January to know the way a lot the privateness coverage backlash has affected the corporate’s bold UPI enlargement. While I received’t advocate utilizing WhatsApp only for its UPI funds characteristic, you possibly can take into account checking it out in case you’re not planning to modify from the app.

Pros:

  • Beneficial for WhatsApp customers

Cons:

  • No devoted app
  • From Facebook

Download WhatsApp (Android | iOS)

Use UPI Apps for Fast Payments

So, these are the highest UPI apps you should use in India. I personally discover myself utilizing Google Pay and Amazon Pay for all my UPI cost wants, however I’m inclined in the direction of giving Freecharge one other shot. Let us know the UPI app of your alternative within the feedback.

Leave a Reply

This site uses Akismet to reduce spam. Learn how your comment data is processed.