1. PhonePe
PhonePe · Bengaluru · UPI & payment apps · 4.6/5
India's largest UPI app for payments, bills and recharges.
Free
Free plan available
Compared with Apple Pay (not in India)
- Built in India (Bengaluru)
UPI & payment apps · Alternatives
Best Apple Pay (not in India) alternatives in India (2026)
Apple Pay (not in India) is an upi & payment apps product from Apple, Cupertino, priced at Free with a free plan. We compared 20 alternatives on published price, free plan, platforms and made-in-India support: 20 have a free plan, 17 are built in India.
Quick answer
The closest alternatives to Apple Pay (not in India) are PhonePe (Free), Paytm (Free), CRED Pay (Free), Freecharge (Free) and Airtel Thanks (Free). PhonePe is the top-ranked option with a free plan.
Why businesses look for a Apple Pay (not in India) alternative
Indian support and GST
Apple Pay (not in India) is built in United States. 17 alternatives are made in India, where GST, TDS and UPI are usually handled natively and support runs on IST.
Apple Pay (not in India) alternatives compared
Ranked by how closely each product matches Apple Pay (not in India)'s category, pricing model, platforms and business size, then by rating. Prices exclude GST.
| # | Software | Starting price | Free plan | Platforms | Made in India | Rating | Compare |
|---|---|---|---|---|---|---|---|
| — | Apple Pay (not in India) (current) | Free | Yes | Web, Android, iOS | No | 4.3/5 | — |
| 1 | PhonePe | Free | Yes | Web, Android, iOS | Yes | 4.6/5 | |
| 2 |  Paytm | Free | Yes | Web, Android, iOS | Yes | 4.6/5 | |
| 3 |  CRED Pay | Free | Yes | Web, Android, iOS | Yes | 4.5/5 | |
| 4 |  Freecharge | Free | Yes | Web, Android, iOS | Yes | 4.6/5 | |
| 5 |  Airtel Thanks | Free | Yes | Web, Android, iOS | Yes | 4.5/5 | |
| 6 |  Google Pay | Free | Yes | Web, Android, iOS | No | 4.4/5 | |
| 7 |  MyJio | Free | Yes | Web, Android, iOS | Yes | 4.5/5 | |
| 8 |  Vi App | Free | Yes | Web, Android, iOS | Yes | 4.5/5 | |
| 9 |  Amazon Pay | Free | Yes | Web, Android, iOS | No | 4.3/5 | |
| 10 |  Flipkart UPI | Free | Yes | Web, Android, iOS | Yes | 4.5/5 | |
| 11 |  Navi UPI | Free | Yes | Web, Android, iOS | Yes | 4.4/5 | |
| 12 |  Slice UPI | Free | Yes | Web, Android, iOS | Yes | 4.4/5 | |
| 13 |  super.money | Free | Yes | Web, Android, iOS | Yes | 4.3/5 | |
| 14 |  Fampay | Free | Yes | Web, Android, iOS | Yes | 4.4/5 | |
| 15 |  Samsung Wallet | Free | Yes | Web, Android, iOS | No | 4.3/5 | |
| 16 |  Paytm for Business | Free | Yes | Web, Android, iOS | Yes | 4.4/5 | |
| 17 |  Junio | Free | Yes | Web, Android, iOS | Yes | 4.3/5 | |
| 18 |  BharatPe for Merchants | Free | Yes | Web, Android, iOS | Yes | 4.3/5 | |
| 19 |  PhonePe for Business | Free | Yes | Web, Android, iOS | Yes | 4.3/5 | |
| 20 |  Kiwi | Free | Yes | Web, Android, iOS | Yes | 4.3/5 |
Top 10 Apple Pay (not in India) alternatives in detail
2. Paytm
Paytm (One97) · Noida · UPI & payment apps · 4.6/5
Payments, wallet, bills and financial services.
Free
Free plan available
Compared with Apple Pay (not in India)
- Built in India (Noida)
Free
Free plan available
Compared with Apple Pay (not in India)
- Built in India (Bengaluru)
Free
Free plan available
Compared with Apple Pay (not in India)
- Built in India (Gurugram)
5. Airtel Thanks
Airtel · New Delhi · UPI & payment apps · 4.5/5
Recharges, payments and Airtel services.
Free
Free plan available
Compared with Apple Pay (not in India)
- Built in India (New Delhi)
Free
Free plan available
Free
Free plan available
Compared with Apple Pay (not in India)
- Built in India (Navi Mumbai)
Free
Free plan available
Compared with Apple Pay (not in India)
- Built in India (Mumbai)
Free
Free plan available
Free
Free plan available
Compared with Apple Pay (not in India)
- Built in India (Bengaluru)
Apple Pay (not in India) alternatives by what you need
Free Apple Pay (not in India) alternatives
Indian alternatives to Apple Pay (not in India)
How to choose a Apple Pay (not in India) alternative
- 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.
Apple Pay (not in India) alternatives — FAQs
What is the best alternative to Apple Pay (not in India) in 2026?+
The closest matches to Apple Pay (not in India) on App Advisor are PhonePe (Free), Paytm (Free), CRED Pay (Free). They are ranked by how closely their category, pricing model, platforms and target business size match Apple Pay (not in India), then by rating. The best choice depends on your team size and budget.
Is there a free alternative to Apple Pay (not in India)?+
Yes. 20 of the 20 alternatives listed have a free plan or are free: PhonePe (Free), Paytm (Free), CRED Pay (Free). Free plans usually cap users, records or transactions, so check the limits against your monthly volume.
Is there an Indian alternative to Apple Pay (not in India)?+
Yes. 17 alternatives are built in India, including PhonePe (Free), Paytm (Free), CRED Pay (Free). Indian products usually handle GST, TDS and UPI natively and bill in rupees.
Apple Pay (not in India) vs PhonePe: which is better?+
PhonePe is the closest match to Apple Pay (not in India) in our catalogue. Key differences: Built in India (Bengaluru). Compare them side by side before you book a demo.
How were these Apple Pay (not in India) alternatives chosen?+
Every product listed sits in upi & payment apps or a category Apple Pay (not in India) also covers, and Apple's own products are excluded. Prices, free plans and platforms come from each vendor's official website. App Advisor does not sell any of this software.
Free shortlist
Not sure which Apple Pay (not in India) alternative fits?
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Related alternatives
PhonePe alternativesPaytm alternativesCRED Pay alternativesFreecharge alternativesAirtel Thanks alternativesGoogle Pay alternativesMyJio alternativesVi App alternativesAmazon Pay alternativesFlipkart UPI alternativesNavi UPI alternativesSlice UPI alternativesAll upi & payment apps alternativesBrowse all alternatives