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5 Best UPI Apps to Make Online Transactions in India

This change started a lot more after the demonetisation decision that was taken by the Indian government in 2016. 

By Agency Desk
Updated on :
5 Best UPI Apps

India has become a digital economy to a large extent. With the introduction of Android and iOS Apps, improvement in infrastructure in terms of fast working internet and accessibility to mobile phones. This change started a lot more after the demonetisation decision that was taken by the Indian government in 2016. The lack of cash flow and the long queues outside ATMs made it a necessity to use means which were more cashless. A lot of these reasons and more together contributed to why and how UPI became the preferred payment method in India.

The need to not carry cash and adversities like the pandemic greatly proved how essential it is to have an online means of payment. The digitisation and the presence of e-wallets made it a lot easier for the Indian nationals to make payments. In India people sending and receiving payments through UPI have significantly increased in number in the past couple of years. The best part about using UPI is that it is easy to work with. You just need a phone, internet connection, a registered sim, a bank wallet to link to and a UPI app that you intend to use.If you are a novice, you can check here for more details about how the UPI works in India.

Nowadays a lot of businesses like your electricity provider, your sim card operator, a lot of online shopping platforms including a lot of betting apps let you make use of the UPI apps to make payments against what you bought in your cart.

Here we will list some very reliable and safe UPI apps using which you can make payments online in India.

Best UPI Apps in India

Google Pay

Google Pay or the formerly known as Tez is people’s first choice these days.It is one of the most used UPI apps in India. The interface is very user friendly and also you can easily sync your contacts. The app is very safe, convenient to use and just requires a small verification step with the bank before you can start using it.

They give you a lot of incentives in the form of scratch cards and these can be availed on special offers. A lot of scratch cards are also available around Indian festivals like Raksha Bandhan and Diwali which can be a great perk as they can usually be cashed back or can be used on some of your spendings.There are shortcuts to recharge your mobile, pay your bills and make bank transfers the instant you launch the app. If all you need is a simple and efficient way to make UPI payments in India, you don’t have to look any further than Google Pay.


Paytm revolutionized the world of contactless payments way before UPI was popular. Paytm was the one app that started the revolutionary trend of contactless payments in India. Now that you can link your bank accounts and make regular UPI transactions with the app, Paytm is a strong contender on this list.

What the app does the best is providing an incredible number of features that simplify your day-to-day transactions. With Paytm you can make use of the one-tap recharge button and you can easily automate your electricity and DTH bills.

Phone Pe

PhonePe brings in a great balance between the great user interface of Google Pay and the extensive features of Paytm. Once you link your bank account with PhonePe, you can start making transactions with friends, family, and merchants. One of the best features that PhonePe brings along is an ease with bank transfers.

Amazon Pay

Amazon is one of the largest e-commerce in India and has now also come up with services like Prime Video and Prime Music which have become increasingly popular in India. The amazon pay service simplifies the concept of online shopping for customers on Amazon. Amazon Pay works just like any other UPI app and can be used for making payments above and beyond e-commerce needs. You can use it for mobile recharges and paying for many other utilities as per your wish.


BHIM was developed by NPCI and helped kickstart the use of UPI payments in the country. It has kind of an old interface and does not come with many features that modern apps like Paytm and PhonePe provide you. But it is still a reasonably good payment option that you can rely on for contactless payments. The app also has a simplified list of essential bills that you can pay including mobile recharge, electricity bills, life insurance, and more.

Going Cashless With Digital Payments

The UPI Apps give you the liberty to go cashless whenever you are shopping online, making payments to friends, or trying out the latest online betting apps in India. The options are endless.

All the UPI apps listed here and a few more like Freecharge and Mobikwik that exist in the Indian market are safe, convenient and secure to use. In the end it is all about your personal choice and how much you weigh features over a user friendly interface.