7 Best Apps in India That Accept UPI Payments

UPI Payments

Do you need a safe and dependable UPI payment app for Android or iOS?

Continue reading to learn about the top 7 UPI Payment Apps to download in 2021.

UPI, or Unified Payments Interface, is growing rapidly in India and is quickly becoming one of the most preferred ways to conduct digital payments.

Numerous Indian banks joined with the BHIM-UPI platform and launched their payment apps after launching NCPI’s UPI. Various third-party companies who worked with Indian banks did the same thing. Several apps are available in the Google Play Store and the Apple App Store. 

The Indian government has recently mandated pay with QR code system mandatory in all establishments, which could lead to an increase in online purchases.

What exactly is UPI?

The National Payments Corporation of India (NPCI) created the Unified Payment Interface platform in accordance with RBI requirements. It facilitates money transfers between bank accounts tied to a mobile phone number. The funds will be taken immediately from the user’s account. Many UPI apps allow users to pay with QR codes. 

Multiple VPAs can be formed using the BHIM-UPI app or the Bank apps to link multiple accounts. However, your phone number must be linked to these accounts first since an SMS will be sent to your number for verification before the VPA can be generated. UPI payment mechanisms are being promoted on social networks such as Twitter and Facebook. UPI can be used to pay credit card bills.

Read this post to learn about the best-in-class UPI payment apps that have been shortlisted, as well as their key features and benefits.


This is a mobile wallet and e-commerce application that will be available in India by the end of 2021. Fashion, pharmaceuticals, and airlines were among its merchants, and its networks were backed by 15 big banks and seven financial services firms. FavePay is a simple, quick method to pay with your cellphone at your favorite dining options, and you can get up to 30% payback right away. 

Google Pay

Google Tez, also known as Google Pay, has been one of India’s most secure UPI programs. This marvel was created by Google to allow users to make frictionless transactions. In India, Google Pay has a sizable customer base.

You may even pay with QR code. Plus, there’s more. Scratch cards are the much-desired prizes! Users receive scratch cards after each transaction, which are sent directly into their bank account. Google Pay allows users to scan to pay. 


PhonePe was India’s first UPI payment platform, which was acquired by Flipkart subsequently. PhonePe, based in Bangalore, has collaborated with YesBank to offer UPI services and using this app, you can scan to pay. Scanning a unique QR code takes the user to a specific user’s account. 


The UPI interface was also adopted by this Indian payment network. Customers of Mobikwik can utilize UPI to transfer cash to the wallet. In addition, Mobikwik has a feature that allows users to pay with a QR codes.  


Whenever it comes to UPI payments apps in India, the BHIM App is the official one. You can link your checking account to the app and see the balance of your bank. It only takes a few moments to install and register on this site. 


Payzapp takes care of all of your online payment issues. The UPI is simple to use, and even those with little technical understanding may use it! Payzapp was created by HDFC Banks and only required one click to use. So you can access the world at your fingers with a click, whether it’s renewing your prepaid/postpaid cell bills, DTH/cable bills, or something as far-fetched as hotel booking.


Freecharge is another UPI Payments software that has a large following in India due to its extensive capabilities. However, for you to use this app, you must first have a BHIM UPI ID. After you link your bank account to Freecharge, everything becomes simple.


Paytm was India’s most popular digital payment provider. In addition, it has the distinction of being India’s largest digital wallet service provider, with the most UPI app downloads on both Android and iOS platforms.

Transactions done through these UPI apps are safe, fast, and convenient. Many banks have partnered with these UPI apps to enable customers to send and receive money. Besides making payments more accessible, most of these apps also allow you to pay electricity bills, recharge your phone, and buy online.

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