Best 5 UPI apps in India 2023

Digital India has continued to grow in 2019. UPI has played a big role in this operation. In addition, due to COVID-19 and the lockdown, there is an increase in the number of people using online financial payments. The value of UPI transactions increased by 105% in 2020, in this time.Here we listed Best 5 UPI apps in India.


Google pay


Amazon Pay




What is UPI?

UPI means Unified Payments Interface. UPI payments have reached considerable growth and the mobile app store is full of new and innovative UPI apps in India nowadays.

UPI is an immediate real-time payment system developed by NPCI which stands for National Payments Corporation of India that helps in inter-bank transactions by transferring funds between two banks instantly on a mobile or web platform. Money can now be sent to anyone across the nation within no time, because of this UPI payment advancement.

All UPI apps in the play store are good for making  payments. Some of these UPI app interfaces in India may be hard to understand at the beginning many times. Let’s see about the best UPI apps in India for easy and fast transactions.

Best 5 UPI apps in India:

PhonePe – (UPI payments, money transfer and recharge)

PhonePe is the best UPI app in India and it is a revolutionary app that trusts Indian people for making online mobile payments. It is not only for UPI payment but also used for recharge, making online bill payments, ordering food, shopping, etc. PhonePe has 868.40 million transactions in volume with Rs. 1,75,453.85 Cr in transaction value as of November 2020.

It also gives different offers, rewards, and cashback to its customers. It has the simplest interfaces with the fastest and safest online payment experience in India. PhonePe is one of the best payment apps in India and better than many other UPI payment apps or internet banking services.

Google Pay(Tez) – simple and secure payment app

Google Pay is also known as the Tez app, which is the best and biggest app in the list of best UPI apps in India. This app has gathered a large customer base in India within a short period. Moreover, the brand name “Google” has helped this app to make trust among new and existing customers.

Google Pay has 960.02 million transactions in volume with Rs.1,61,418.19 Cr in transaction value, as of November 2020. Users can send money to their friends, pay their bills, recharge, shop online, or pay at a nearby cafe, etc using Google Pay through secure payment by Google.

“Scratch Cards” is the most interesting part of Google Pay. Google Pay awards gift card in the form of “scratch card” for people who makes new transaction. Users can scratch the card and earn gifts in the form of money and the money will be credited to the registered bank account.

As there are a minimum value and no transactions predefined by the app, you can’t able to earn a scratch card for every transaction. You may get up to reward of up to Rs.1 lakh if you are lucky.

Paytm :  UPI, Mobilercharge and money transfer 

Paytm offers Paytm wallet and Paytm UPI(which was introduced in 2017), along with Paytm Mall. Due to more products and services being provided by this app, it is called the mega store.

As users can do every activity related to online payments on its app, it is the most used payment app. Paytm has 260.09 million transactions in volume with Rs.28,986.93 Cr in transaction value, as of November 2020.

We can do all the things in this app such as making online payments to buy household items, IRCTC train ticket booking,paying LIc premium, booking movie tickets, groceries, buying gold, bus and flight ticket booking, paying e challans, paying loan, metro card recharge and more.

Amazon Pay:

Amazon Pay is the fourth biggest app used for making UPI transactions, as of November 2020, Amazon Pay has 37.15 million transactions in volume with Rs.3,624.51 Cr in transaction value this month. The brand name “Amazon ” has helped Amazon Pay to reach the fastest growth within a short period.

Amazon Pay has become the tressure of UPI payers and has integrated with most shipping and payment gateways, along with awesome cashback rewards.

BHIM app:

BHIM is the fifth most famous UPI app in India. NPCI(National Payments Corporation of India) launched and managed this BHIM which is a UPI that allowed the initiative to facilitate safe, easy, and immediate digital payments through your mobile phone. BHIM app has 0.31 million transactions in volume with Rs13.87 Cr in transaction value.

Statistics of Top UPI apps in India(Dec 21)

S.NOUPI app nameVolume(Mn)Value(Cr)
2Google Pay1,587.43302,989.79
3Paytm Payments Bank app706.3788,094.49
5ICICI Bank apps31.998,921.76
7Amazon Pay76.186,641.62
8Airtel Payments Bank apps15.125,732.09
9Yes Bank apps25.145,689.75
10State Bank of India3.631,961.72

Additional UPI apps in India:

Freecharge – Recharges & bills, UPI, Mutual funds

Freecharge is another online payment mobile app in India that has features like Mobile Recharges, bill payments, and sending or receiving money through UPI. Everything is very easy for making UPI payments, because of its simple interface.

Moreover, this app offers the facility to invest in Mutual Funds, make investments with SIPs, book movie tickets, buy food, shopping, buy travel tickets, etc and get cashback and discounts.

PayZapp – Recharge, Pay bills & shop

HDFC PayZapp is the best payment app in India. It is a complete payment solution offering you the power to pay in just one click. It is used to make online Recharge, Bill payments, BharatQR payments, book travel tickets, get move tickets, shop, purchase groceries, and more. It is available for all bank customers and supports payments by mVisa QR, MasterPass QR, and Rupay QR.

PayZapp is a convenient, secure, and fast UPI payments apps in India and worth checking out.

Other important UPI apps in India:    

    • MobiKwik-Recharge, Bill Payment, Immediate Load, PUI, Insurance
    • BHIM SBI Pay – UPI, Recharge, Bill Payments, Food.
    • Kotak – 811 & Mobile banking
    • Pockets ICICI – UPI, Wallet, BharatQR
  • Whatsapp Pay


Hope that all of you know about the best UPI apps in India. UPI apps save our time and make payment easier and more convenient. With the knowledge of these apps, make payments for everything using your favorite and secure app. Smarther the best mobile app development company is experienced in developing payment apps.Reach us if you are looking for developing payment related mobile applications.


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