Payments, wallet, bills and financial services.
RecommendedMade in IndiaFree
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Consumer & Everyday Apps
Best UPI & payment apps in India (2026)
UPI and payment apps handle person-to-person transfers, bill payments, recharges and merchant payments. For businesses, the merchant apps add QR codes, soundboxes, settlements and simple ledgers.
40 products compared31 made in India32 with a free plan
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India's largest UPI app for payments, bills and recharges.
RecommendedMade in IndiaFree
Starts at
Free
Recharges, bills and UPI.
Made in IndiaFreeMobile app
Starts at
Free
UPI payments with CRED rewards.
TrendingMade in IndiaFree
Starts at
Free
Recharges, payments and Airtel services.
Made in IndiaFreeMobile app
Starts at
Free
Jio recharges and JioPay.
Made in IndiaFreeMobile app
Starts at
Free
UPI inside Flipkart.
Made in IndiaFreeMobile app
Starts at
Free
Recharges and payments.
Made in IndiaFreeMobile app
Starts at
Free
UPI with cashback.
Made in IndiaFreeMobile app
Starts at
Free
UPI on Slice.
Made in IndiaFreeMobile app
Starts at
Free
Merchant app with soundbox.
Made in IndiaFreeMobile app
Starts at
Free
UPI payments app with rewards.
RecommendedFreeMobile app
Starts at
Free
Payments for teenagers built in Bengaluru.
Made in IndiaFreeMobile app
Starts at
Free
UPI and wallet inside Amazon.
FreeMobile app
Starts at
Free
UPI app from Flipkart.
NewMade in IndiaFree
Starts at
Free
Kids' pocket money app.
Made in IndiaFreeMobile app
Starts at
Free
Merchant UPI QR.
Made in IndiaFreeMobile app
Starts at
Free
Merchant app.
Made in IndiaFreeMobile app
Starts at
Free
India's card network.
Made in IndiaFreeMobile app
Starts at
Free
Lifetime-free RuPay credit card on UPI that earns cashback on everyday scan-and-pay payments.
Made in IndiaFreeMobile app
Starts at
Free
App for paying credit card and utility bills by card or UPI with rewards and credit score tracking.
Made in IndiaFreeMobile app
Starts at
Free
Branchless banking app that lets neighbourhood retailers offer payments, cash withdrawal and bill pay.
Made in IndiaFreeMobile app
Starts at
Free
Agent banking network app for cash withdrawal, recharges, bill payments and account opening in rural India.
Made in IndiaFreeMobile app
Starts at
Free
Bill payments.
Made in IndiaFreeMobile app
Starts at
Free
Ordered by App Advisor rating. Nothing here is paid placement — see how we rate software.
How to choose upi & payment apps
For merchants, compare settlement time and soundbox cost.
Check business-account features such as staff access and reports.
Consumers should keep two apps in case one bank server is down.
What to look for
- ✓ UPI transfers and QR payments
- ✓ Bill payments and recharges
- ✓ Merchant soundbox and settlements
- ✓ Credit on UPI and RuPay cards
- ✓ Wallet and gift cards
- ✓ Transaction history and reports
- ✓ Security and device binding
- ✓ International UPI
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UPI & payment apps — frequently asked questions
Which UPI app is most used in India?+
PhonePe and Google Pay together handle most UPI volume, followed by Paytm, CRED, BHIM and bank apps.
Related categories
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