In a world of hassle-free digital payments, UPI payment apps have become an essential means of financial ease.
With an abundance of choices at hand, deciding on the appropriate platform could be a cumbersome process. In this article, we have compiled an online payment apps list, detailing their features and insights that suit the varied needs of users.
Whether new to the world of payment wallets in India or looking for an upgrade, you can remain updated and make informed choices in the new-age banking and payments era.
Table of Contents
- What are Online Payment Apps?
- How Do Online Payment Apps Work?
- Types of Mobile Payments
- Top 5 Features of E-Wallets or Online Payment Apps in India
- What are the Benefits of Online Payment Apps?
- Online Payment Apps List: The 15 Most Used Digital Payment Applications in India
- Safety Tips To Follow While Using These Online Payment Apps
- Wrapping Up the Online Payment Apps List!
- Frequently Asked Questions
What are Online Payment Apps?
Online payment apps or payment wallets in India make it a breeze to manage your money. These apps enable you to instantly send money, pay bills, and easily buy online or offline.
Payment is smooth and hassle-free thanks to features such as UPI, scanning through QR codes, digital wallets, and linking your cards.
Simple and popular apps like PhonePe, Google Pay, and Paytm protect your transactions and give you cashback and offers.
They've revolutionized how we deal with money, making it quicker, more secure, and more convenient. So let’s first read about how these online payment apps work before revealing the list of payment apps in India.
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How Do Online Payment Apps Work?
Here is how the online payment apps work:
QR Code
The QR Code of stores is kept at the display, which has to be scanned. Previously, you had to authenticate the amount by entering the MPIN in the UPI payment App. In the new UPI 2.0, no passcode has to be entered. The signed QR & intent can be used.
VPA ID
You have to give your VPA ID and then store it to trigger the payment process. Then, you will get a notification and need to authenticate the payment by filling in the MPIN in the UPI App.
Mobile Number
Money can be transferred to any mobile number associated with a bank account by sharing an MMID.
Aadhaar Number
Money can be sent by sharing the Aadhaar number associated with the bank account. Scanning the fingerprints is required for this.
Sharing account Number & IFSC
This is one of the simplest and most common ways of sending money.
Contactless or Audio NFC Technology
Audio NFC technology makes money transfers. Here, the Near Field Communication sensor couples the two UPI-using devices. The transfer is then authenticated with the matching of the wavelengths of the two devices.
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Types of Mobile Payments
Before diving into the online payment apps list, know that there are various types of models for mobile payment applications, and they are:
- Card-based payments
- Mobile Wallets
- Contactless Payments
- NFC (Near Field Communication)
- Carrier Billing (Premium SMS or direct carrier billing)
- Direct bank transfers between payee and payer bank accounts on real-time transactions
Top 5 Features of E-Wallets or Online Payment Apps in India
Here are some of the features of the best online payment apps:
Instant Payments
The transfer of money from the payer wallet to the payee wallet will occur in a few seconds rather than hours or business days in an e-wallet account.
The feature is of immense advantage as payments can be made at any time and from anywhere and fund transactions will be instantaneous and this will enhance the control of personal and business funds.
Managing Virtual and Physical Card Operations
The new technology in the banking sector has assisted the payment wallet apps in India to save the user's debit or credit card information, which can be utilized to conduct money transactions at any moment from anywhere in the world.
The development of e-wallets simplifies the user's finances, and it easily assists in consolidating all their cards in a single central location.
A payment app or mobile wallet is more secure to have all your cards in one place because it does not make the user physically carry the credit card. The app encrypts the card information with the help of software without saving the card number with top-class security.
Bill Payments
Payment App is one of the most important mobile wallet features since most of the young generation likes to pay bills online, whether for shopping, groceries, restaurants, booking movie tickets, flight tickets, rent, tuition fees, utility bills, loans, etc.
As the digital cash movement picks up speed, mobile wallets are certainly becoming a part of basic services for the average man.
Security
The instant mobile financial services enter the scene, people want maximum security to embrace it. Money transactions need to be secure and safe from both ends.
Online payment mobile apps can be made secure with many strong technologies like one-time passwords via SMS, point-to-point encryption, security questions, biometrics, out-of-band authentication, and so forth. Although electronic wallets are safer than credit cards, the increasing fear of the breach of cybersecurity in consumers' minds is the primary hindrance to embracing payment apps.
Coupons, Rewards, and Discounts
The application of payment wallets and payment apps in India offers customers coupons, rewards, discounts, loyalty points, etc. The digital wallet solutions will be partnered with numerous companies that offer discounts, offers, and coupons on using the payment apps.
The e-wallets create a perfect platform to offer deal-seeking consumers a wide array of benefits and make mobile wallet apps differentiate in the market.
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What are the Benefits of Online Payment Apps?
Mobile apps have various benefits, especially digital payment apps. Some of the major strengths of electronic payment in India that have turned them into the preferred means of transactions are:
Instant Payments
Digital payments enable instant transactions that can be made immediately, with less waiting time than one needs to endure with other forms of payments. This makes the transaction look efficient and seamless.
Convenience in the Payment Procedure
Online payments facilitate quick and easy transactions from your devices without requiring physical presence or paperwork.
Paying bills, online shopping, or sending money is easy with digital payment modes that provide an effortless experience, saving time and effort.
Better Payment Security
Digital payment systems employ encryption and system authentication measures, reducing the threat of unauthorized access and eliminating fraud.
Your financial data remains secure, rendering you stress-free during the whole process of paying digitally.
Enhanced Efficiency
Automation and digitalization of payment processes have greatly increased business efficiency. As much as possible, they reduced manual intervention.
Thus, the errors are curbed, and financial processes are streamlined, leading to an efficient and error-free system.
Digital Record of Transactions
Electronic payments offer a trackable record of transactions, thus ensuring safety. This efficiency and credibility enable people and companies to keep reliable financial records.
Tracking the payment history is simple and can be brought out when needed.
Reduced Costs
The electronic payment system obviates the need for physical infrastructure, paperwork, and manual intervention.
This decreases the transaction cost for financial institutions and business firms. Moreover, digital transactions typically have a lower transfer cost compared to conventional banking.
Ease of Use
The payment systems allow customers to be at ease. The outdated cash-handling machines that can only recognize clear coins and notes are giving way to ATMs, which are convenient and simple to use.
Digital payment systems are simple to use and will not require extra effort to learn how to use them.
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Online Payment Apps List: The 15 Most Used Digital Payment Applications in India
Discover India's best mobile payment application that makes receiving and sending money easy and convenient.
From paying bills and recharging your phone to transferring money, these apps provide a variety of features to cater to your needs. Here's a glimpse of the best online payment apps compiled in a list below:
Google Pay
Google Pay, launched by Google in 2017, is a popular digital wallet and payment app in India. It enables customers to make easy and instant payments from their mobile phones using UPI (Unified Payments Interface).
With millions of users nationwide, Google Pay is a reliable option for hassle-free transactions.
Whether you’re paying for groceries, splitting bills with friends, or recharging your phone, Google Pay offers a simple and secure way to handle your money. Here’s why Google Pay made it at the first spot on our list of payment apps:
Top Feature:
- Instant UPI payments and transfers.
- Google services integration for ease of use.
- The choice to recharge a phone or pay bills.
- Send money to anyone through their phone number.
- Safe transactions with Google's security.
App Insights:
PhonePe
PhonePe, launched in 2015, is a popular payment app in India. It makes transferring and receiving money easy with UPI (Unified Payments Interface). With millions of users, PhonePe provides a convenient way to pay for products, split bills, and top up your phone.
It's easy to use and has instant transactions. Here's why PhonePe is included in our online payment apps list:
Top Feature:
- Instant UPI payments and transfers.
- Simple bill payments such as electricity, water, and gas.
- Mobile recharges and DTH payments.
- Send money to a friend or relative by their phone number.
- Safe transactions with strong protection.
App Insights:
Paytm
Paytm, founded in 2014, is one of India's favorite apps for managing money. It's a digital wallet that makes paying for stuff and sending money easy.
With millions of customers, Paytm assists in recharging your phone, paying bills, and shopping online.
It is famous for its numerous services and discounts. From paying the electricity bill to groceries or a movie ticket, Paytm simplifies everything in no time.
Top Feature:
- Manages money transfers, bill payments, and shopping through a single shopping app.
- Makes use of Paytm Wallet for smooth and instant transactions.
- Recharge mobile phones and pay electricity bills with ease.
- Discounts and promotions are available through Paytm's network partner.
- Make fast and secure transactions.
App Insights:
Freecharge
Freecharge, which was started in 2010, is a payment app and digital wallet that enables you to easily recharge your phone, pay bills, and transfer money. It's famous for its simplicity and fast transactions.
Freecharge also provides a range of deals and cashback on payments, making it a favorite for daily financial requirements. Here's why Freecharge is in the online payment apps list:
Top Feature:
- Fast money transfers and bill payments.
- User-friendly interface with simple navigation.
- Recharge and bill payment offers and cashback.
- Secure payments through Freecharge's protection.
- Multiple service integration for convenience.
App Insights:
PayZapp by HDFC Bank
PayZapp, from HDFC Bank, is a multi-purpose payment app that lets you pay bills, book flight tickets, and transfer funds in a snap. It's built to provide an effortless payment experience with a single click.
From shopping online to booking movie tickets or paying electricity bills, PayZapp gives you a safe and hassle-free way to manage your transactions. Here’s how it made it on the list of payment apps most commonly used in India:
Top Feature:
- One-click payments for various services.
- Integration with HDFC Bank accounts for convenient access.
- Safe and speedy transactions.
- Shopping and travel booking offers and discounts.
- Convenient utility bill payments and mobile recharge.
App Insights:
BHIM
BHIM UPI, introduced by the National Payments Corporation of India (NPCI), is the best pick for convenient and secure money transfers.
This payment gateway is developed to help you transfer money instantly with UPI (Unified Payments Interface). It's easy to use, has multi-language support, and is ideal for day-to-day transactions such as bill payments or phone recharges.
With BHIM UPI, you can easily have a hassle-free payment experience and monitor your transactions.
Top Features:
- Secure and easy UPI payments.
- Simple interface for easy transactions.
- Multi-language support for convenience.
- Fast and instant money transfers to anyone.
- Easy bill payments and phone recharge.
App Insights:
Amazon Pay
Amazon Pay, introduced by Amazon, is an e-wallet that enables you to pay, send money, and control your finances in the Amazon universe.
It's seamless and secure, so your shopping and payment experience is more streamlined. You can even pay utility bills, top up your phone, and get cashback on payments with Amazon Pay.
Here’s why Amazon Pay is on the online payment apps list:
Top Feature:
- Integrated with Amazon for easy shopping and payments.
- Secure and fast money transfers.
- Simple bill payments and mobile recharge.
- Cashback and rewards on payments.
- Friendly interface with Amazon's secure protection.
App Insights:
MobiKwik
MobiKwik, established in 2009, is an online wallet and payment platform that enables you to send money, pay bills, and recharge your phone effortlessly. It's famous for its easy-to-use interface and fast transactions.
MobiKwik also provides a variety of deals and cashback on payments, making it a favorite when it comes to everyday finances. Below are the reasons to include it in the list of payment apps:
Top Feature:
- Easy and fast money transfers and bill payments.
- Simple-to-use UI/UX design with easy navigation.
- Cashback and discounts on bill payments and recharges.
- Secure payments with protection from MobiKwik.
- Integration with a variety of services for ease of use.
App Insights:
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PayPal
PayPal is one of the most secure online payment apps used internationally, so it's very easy to shop, send funds, or process business payments. Here's why it's everyone's go-to online payment app worldwide.
Top Features:
- Securely shop from millions of merchants without revealing your bank or card information.
- Send money to friends, family, or businesses easily—whether in the next city or overseas.
- Streamline invoices and subscriptions, and even connect PayPal to your e-commerce platform to make payments easy for your customers.
- Connect your bank account, credit, or debit cards to keep your money in one place.
App Insights:
JioMoney
JioMoney, introduced by Reliance Jio, is a digital wallet that provides a variety of services such as money transfer, bill payments, and mobile recharges.
It's secure and easy to use, allowing you to control your finances from anywhere.
With JioMoney, you can also get exclusive deals and cashback on transactions. Here's why JioMoney is our popular online payment apps list:
Top Feature:
- Simple money transfers and bill payments.
- Easy-to-use interface with rapid recharge on mobile.
- Secure payments with Jio's security.
- Redeem exclusive deals and cashback.
- Seamless integration with Jio services for convenience.
App Insights:
Airtel Thanks
Airtel Thanks, introduced by Airtel, is a one-stop app that integrates banking, recharges, and bill payments with rewards and discounts.
It offers a safe platform for mobile money transfers, bill payments, and phone recharges. Moreover, the app provides special offers and cashback on transactions.
Top Feature:
- Simple money transfers and bill payments.
- Friendly interface with fast mobile recharges.
- Access to rewards, cashback, and special offers.
- Safe payments with Airtel's security.
- Airtel services integration for greater convenience.
App Insights:
CRED
CRED is a high-end app that provides easy management of payments and credit cards, which has earned it a spot among the best online payment apps in India.
Why did we include this in our list of payment apps? Know its features below:
Top Features:
- Pay your credit card bills on time, monitor your credit score, and manage all your cards in one app.
- Shop on Swiggy and Myntra using CRED Pay through UPI or credit card.
- Pay in local stores instantly with QR codes or Tap to Pay for contactless payments.
- Send money to anyone—even those who use other UPI apps like GPay or PhonePe.
- Pay rent or education charges using your credit card without additional steps.
- Create UPI Auto Pay for recurring bills like electricity, mobile recharges, or DTH.
App Insights:
OmniCard
OmniCard is one of the most revolutionary RBI-approved online payment apps that provide a secure and super-easy means to deal with your money without a bank account.
Great for students, Gen Z, and millennials, it consolidates all your payment solutions into one app.
Top Features:
- Pay using UPI, cards, transit passes, or cash—all within a single app.
- Make UPI payments without bank account linking.
- Swipe, tap, or scan a QR code to pay, shop online, or withdraw cash from ATMs securely.
- Experience zero minimum balance and no additional charges.
- Start in minutes with easy KYC and UPI ID generation.
- Recharge, shop, transfer funds, or pay bills with ease.
App Insights:
Axis Mobile (Axis Bank Mobile Banking)
Axis Bank Mobile Banking, which was introduced more than a decade ago, is a convenient method of managing your banking requirements directly from your phone.
This mobile banking app works by providing money transfer, bill payments, and account management features. It's easy to use and secure, making your financial transactions easy and secure.
With Axis Bank Mobile Banking, you can view your balance, make utility bill payments, and even recharge your mobile.
Top Feature:
- Simple money transfer and bill payments.
- Quick and easy access with a simple design.
- Safe transactions with the protection of Axis Bank.
- View account and transaction history.
- Easy mobile recharges and utility bill payments.
App Insights:
BHIM SBI Pay
BHIM SBI Pay, initiated by the State Bank of India, is a UPI-based mobile payment application that facilitates safe and convenient money transfer, bill payment, and financial management.
It's easy to use and access, making it the go-to option for daily banking services. BHIM SBI Pay allows fast and secure transactions and access to various features. With BHIM SBI Pay, we conclude our online payment apps list.
Top Feature:
- Easy and secure UPI payments and transfers.
- User-friendly interface with quick navigation.
- Access to account details and transaction history.
- Fast bill payments and mobile recharge.
- Secure transactions with SBI’s protection.
App Insights:
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Safety Tips To Follow While Using These Online Payment Apps
Now that you have read the list of payment apps widely used in India, you should read the safety and security tips to navigate these applications.
The growing popularity and volume of transactions on the UPI platform have increased the risk of unauthorized debits from account holders and fraudulent activities.
Therefore, following necessary security practices while performing UPI transactions on your smartphone is important.
- Do not share your VPA ID (Virtual Payment Address) with someone you don't know or trust.
- Remember that a UPI PIN is needed to send money, not to receive money. Never authenticate a UPI transaction to receive money.
- Always check the correctness of the VPA ID before making any payments.
- Exercise carefulness while receiving UPI transaction notifications on your phone. Verify the source and direction of the transaction meticulously. If the message says someone is asking for money, be careful, as frauds use this to shift funds from bank accounts. In Google Pay type apps, be aware of the directional arrow showing the movement of the money.
- Do not install remote access software like AnyDesk or TeamViewer on your phone, as they could be used for stealing data.
- Do not download or install any UPI app that is not credible. Google Play store is filled with fake UPI apps, including BHIM Modi or Bharat BHIM.
- Never give your OTP to anybody who isn't known to you, holding your security and privacy paramount.
Wrapping Up the Online Payment Apps List!
In conclusion, online payment apps have become part and parcel of our day-to-day lives, providing convenience, security, and flexibility.
Whether for bill payments, buying products online, or sending money instantly, these apps offer a hassle-free option.
The best app for you is based on your needs and personal preferences—cashback rewards, simplicity of use, or added features such as UPI and wallet functionality.
Browse the alternatives, pick the right one, and make your financial management easy with these apps.
Furthermore, connect with Arramton Infotech if you want to create an online mobile payment app as a business venture. We provide iOS and Android mobile app development services in Delhi, backed up by a long list of satisfied clients.
Connect with us today!
Frequently Asked Questions
Q. Is electronic payment safe to use?
Ans: With developments in digital payment technology, demographic changes, and the changing cybersecurity scenario, online payments are more secure and popular than ever.
Q. Which is the most used payment app in the world?
Ans: PayPal is the standard payment service for individuals who shop a great deal online. It is convenient, multi-platform, and nearly always accepted. It lags behind competitors regarding point-of-sale payments, but that isn't anything if you do only online transactions.
Q. What is the best online payment app?
Ans: The most convenient online payment app varies according to your requirements, but Paytm is a favorite for its adaptability, with UPI, bill payments, and cashback rewards.
Q. Which app is safe for online payment?
Ans: Google Pay is among the most secure online payment apps, supported by state-of-the-art encryption, fraud monitoring, and Google's strong security infrastructure.
Q. Which online payment app is best for cashback?
Ans: Both Paytm and PhonePe provide cashback on payments, with Paytm targeting bill payments and PhonePe rewarding consumers through scratch cards.
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