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 Google Pay
- Built in India (Bengaluru)
UPI & payment apps · Alternatives
Best Google Pay alternatives in India (2026)
Google Pay is an upi & payment apps product from Google, Mountain View, 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 Google Pay 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 Google Pay alternative
Indian support and GST
Google Pay 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.
Google Pay alternatives compared
Ranked by how closely each product matches Google Pay'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 |
|---|---|---|---|---|---|---|---|
| — | Google Pay (current) | Free | Yes | Web, Android, iOS | No | 4.4/5 | — |
| 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 |  MyJio | Free | Yes | Web, Android, iOS | Yes | 4.5/5 | |
| 7 |  Vi App | Free | Yes | Web, Android, iOS | Yes | 4.5/5 | |
| 8 |  Amazon Pay | Free | Yes | Web, Android, iOS | No | 4.3/5 | |
| 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 |  Samsung Wallet | Free | Yes | Web, Android, iOS | No | 4.3/5 | |
| 15 |  Paytm for Business | Free | Yes | Web, Android, iOS | Yes | 4.4/5 | |
| 16 |  Apple Pay (not in India) | Free | Yes | Web, Android, iOS | No | 4.3/5 | |
| 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 Google Pay 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 Google Pay
- Built in India (Noida)
Free
Free plan available
Compared with Google Pay
- Built in India (Bengaluru)
Free
Free plan available
Compared with Google Pay
- 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 Google Pay
- Built in India (New Delhi)
Free
Free plan available
Compared with Google Pay
- Built in India (Navi Mumbai)
Free
Free plan available
Compared with Google Pay
- Built in India (Mumbai)
Free
Free plan available
Free
Free plan available
Compared with Google Pay
- Built in India (Bengaluru)
Free
Free plan available
Compared with Google Pay
- Built in India (Bengaluru)
Google Pay alternatives by what you need
Free Google Pay alternatives
Indian alternatives to Google Pay
How to choose a Google Pay 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.
Google Pay alternatives — FAQs
What is the best alternative to Google Pay in 2026?+
The closest matches to Google Pay 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 Google Pay, then by rating. The best choice depends on your team size and budget.
Is there a free alternative to Google Pay?+
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 Google Pay?+
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.
Google Pay vs PhonePe: which is better?+
PhonePe is the closest match to Google Pay in our catalogue. Key differences: Built in India (Bengaluru). Compare them side by side before you book a demo.
How were these Google Pay alternatives chosen?+
Every product listed sits in upi & payment apps or a category Google Pay also covers, and Google'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 Google Pay alternative fits?
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Related alternatives
PhonePe alternativesPaytm alternativesCRED Pay alternativesFreecharge alternativesAirtel Thanks alternativesMyJio alternativesVi App alternativesAmazon Pay alternativesFlipkart UPI alternativesNavi UPI alternativesSlice UPI alternativessuper.money alternativesAll upi & payment apps alternativesBrowse all alternatives