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 FinoPay
- Has a free plan — FinoPay does not
UPI & payment apps · Alternatives
Best FinoPay alternatives in India (2026)
FinoPay is an upi & payment apps product from Fino Payments Bank, Mumbai, priced at On request. We compared 20 alternatives on published price, free plan, platforms and made-in-India support: 19 have a free plan, 19 are built in India.
Quick answer
The closest alternatives to FinoPay are PhonePe (Free), Paytm (Free), Xflow (On request), CRED Pay (Free) and Freecharge (Free). PhonePe is the top-ranked option with a free plan.
Why businesses look for a FinoPay alternative
There is no free plan
FinoPay has no free tier. 19 alternatives do, which lets you test with real data before you pay.
FinoPay alternatives compared
Ranked by how closely each product matches FinoPay'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 |
|---|---|---|---|---|---|---|---|
| — | FinoPay (current) | On request | No | Web, Android, iOS | Yes | 3.9/5 | — |
| 1 | PhonePe | Free | Yes | Web, Android, iOS | Yes | 4.6/5 | |
| 2 |  Paytm | Free | Yes | Web, Android, iOS | Yes | 4.6/5 | |
| 3 |  Xflow | On request | No | Web, Android, iOS | Yes | 3.8/5 | |
| 4 |  CRED Pay | Free | Yes | Web, Android, iOS | Yes | 4.5/5 | |
| 5 |  Freecharge | Free | Yes | Web, Android, iOS | Yes | 4.6/5 | |
| 6 |  Airtel Thanks | Free | Yes | Web, Android, iOS | Yes | 4.5/5 | |
| 7 |  MyJio | Free | Yes | Web, Android, iOS | Yes | 4.5/5 | |
| 8 |  Vi App | Free | Yes | Web, Android, iOS | Yes | 4.5/5 | |
| 9 |  Flipkart UPI | Free | Yes | Web, Android, iOS | Yes | 4.5/5 | |
| 10 |  Navi UPI | Free | Yes | Web, Android, iOS | Yes | 4.4/5 | |
| 11 |  Slice UPI | Free | Yes | Web, Android, iOS | Yes | 4.4/5 | |
| 12 |  super.money | Free | Yes | Web, Android, iOS | Yes | 4.3/5 | |
| 13 |  Fampay | Free | Yes | Web, Android, iOS | Yes | 4.4/5 | |
| 14 |  Paytm for Business | Free | Yes | Web, Android, iOS | Yes | 4.4/5 | |
| 15 |  Junio | Free | Yes | Web, Android, iOS | Yes | 4.3/5 | |
| 16 |  BharatPe for Merchants | Free | Yes | Web, Android, iOS | Yes | 4.3/5 | |
| 17 |  PhonePe for Business | Free | Yes | Web, Android, iOS | Yes | 4.3/5 | |
| 18 |  Kiwi | Free | Yes | Web, Android, iOS | Yes | 4.3/5 | |
| 19 |  CheQ | Free | Yes | Web, Android, iOS | Yes | 4.3/5 | |
| 20 |  Google Pay | Free | Yes | Web, Android, iOS | No | 4.4/5 |
Top 10 FinoPay 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 FinoPay
- Has a free plan — FinoPay does not
3. Xflow
Xflow Payments India Pvt. Ltd. · Bengaluru · UPI & payment apps · 3.8/5
Cross-border payments platform for Indian exporters and freelancers to receive international payments.
On request
Free trial
Free
Free plan available
Compared with FinoPay
- Has a free plan — FinoPay does not
Free
Free plan available
Compared with FinoPay
- Has a free plan — FinoPay does not
6. Airtel Thanks
Airtel · New Delhi · UPI & payment apps · 4.5/5
Recharges, payments and Airtel services.
Free
Free plan available
Compared with FinoPay
- Has a free plan — FinoPay does not
Free
Free plan available
Compared with FinoPay
- Has a free plan — FinoPay does not
Free
Free plan available
Compared with FinoPay
- Has a free plan — FinoPay does not
Free
Free plan available
Compared with FinoPay
- Has a free plan — FinoPay does not
Free
Free plan available
Compared with FinoPay
- Has a free plan — FinoPay does not
FinoPay alternatives by what you need
Free FinoPay alternatives
Indian alternatives to FinoPay
How to choose a FinoPay 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.
FinoPay alternatives — FAQs
What is the best alternative to FinoPay in 2026?+
The closest matches to FinoPay on App Advisor are PhonePe (Free), Paytm (Free), Xflow (On request). They are ranked by how closely their category, pricing model, platforms and target business size match FinoPay, then by rating. The best choice depends on your team size and budget.
Is there a free alternative to FinoPay?+
Yes. 19 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 FinoPay?+
Yes. 19 alternatives are built in India, including PhonePe (Free), Paytm (Free), Xflow (On request). Indian products usually handle GST, TDS and UPI natively and bill in rupees.
FinoPay vs PhonePe: which is better?+
PhonePe is the closest match to FinoPay in our catalogue. Key differences: Has a free plan — FinoPay does not. Compare them side by side before you book a demo.
How were these FinoPay alternatives chosen?+
Every product listed sits in upi & payment apps or a category FinoPay also covers, and Fino Payments Bank'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 FinoPay alternative fits?
Tell us your team size and budget and we'll send a shortlist of three.
Related alternatives
PhonePe alternativesPaytm alternativesXflow alternativesCRED Pay alternativesFreecharge alternativesAirtel Thanks alternativesMyJio alternativesVi App alternativesFlipkart UPI alternativesNavi UPI alternativesSlice UPI alternativessuper.money alternativesAll upi & payment apps alternativesBrowse all alternatives