1. PhonePe
PhonePe · Bengaluru · UPI & payment apps · 4.6/5
India's largest UPI app for payments, bills and recharges.
Free
Free plan available
UPI & payment apps · Alternatives
Best Kiwi alternatives in India (2026)
Kiwi is an upi & payment apps product from Gokiwi Technologies Pvt Ltd, Bengaluru, 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, 19 are built in India.
Quick answer
The closest alternatives to Kiwi are PhonePe (Free), Paytm (Free), CRED Pay (Free), Freecharge (Free) and Airtel Thanks (Free). PhonePe is the top-ranked option with a free plan.
Kiwi alternatives compared
Ranked by how closely each product matches Kiwi'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 |
|---|---|---|---|---|---|---|---|
| — | Kiwi (current) | Free | Yes | Web, Android, iOS | Yes | 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 |  MyJio | Free | Yes | Web, Android, iOS | Yes | 4.5/5 | |
| 7 |  Vi App | Free | Yes | Web, Android, iOS | Yes | 4.5/5 | |
| 8 |  Flipkart UPI | Free | Yes | Web, Android, iOS | Yes | 4.5/5 | |
| 9 |  Navi UPI | Free | Yes | Web, Android, iOS | Yes | 4.4/5 | |
| 10 |  Slice UPI | Free | Yes | Web, Android, iOS | Yes | 4.4/5 | |
| 11 |  super.money | Free | Yes | Web, Android, iOS | Yes | 4.3/5 | |
| 12 |  Fampay | Free | Yes | Web, Android, iOS | Yes | 4.4/5 | |
| 13 |  Paytm for Business | Free | Yes | Web, Android, iOS | Yes | 4.4/5 | |
| 14 |  Junio | Free | Yes | Web, Android, iOS | Yes | 4.3/5 | |
| 15 |  BharatPe for Merchants | Free | Yes | Web, Android, iOS | Yes | 4.3/5 | |
| 16 |  PhonePe for Business | Free | Yes | Web, Android, iOS | Yes | 4.3/5 | |
| 17 |  CheQ | Free | Yes | Web, Android, iOS | Yes | 4.3/5 | |
| 18 |  Google Pay | Free | Yes | Web, Android, iOS | No | 4.4/5 | |
| 19 |  PayNearby | Free | Yes | Web, Android, iOS | Yes | 4.3/5 | |
| 20 |  RuPay | Free | Yes | Web, Android, iOS | Yes | 4.3/5 |
Top 10 Kiwi alternatives in detail
2. Paytm
Paytm (One97) · Noida · UPI & payment apps · 4.6/5
Payments, wallet, bills and financial services.
Free
Free plan available
Free
Free plan available
Free
Free plan available
5. Airtel Thanks
Airtel · New Delhi · UPI & payment apps · 4.5/5
Recharges, payments and Airtel services.
Free
Free plan available
Free
Free plan available
Free
Free plan available
Free
Free plan available
Free
Free plan available
Kiwi alternatives by what you need
Free Kiwi alternatives
Indian alternatives to Kiwi
How to choose a Kiwi 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.
Kiwi alternatives — FAQs
What is the best alternative to Kiwi in 2026?+
The closest matches to Kiwi 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 Kiwi, then by rating. The best choice depends on your team size and budget.
Is there a free alternative to Kiwi?+
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 Kiwi?+
Yes. 19 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.
Kiwi vs PhonePe: which is better?+
PhonePe is the closest match to Kiwi in our catalogue. Compare them side by side before you book a demo.
How were these Kiwi alternatives chosen?+
Every product listed sits in upi & payment apps or a category Kiwi also covers, and Gokiwi Technologies Pvt Ltd'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 Kiwi alternative fits?
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Related alternatives
PhonePe alternativesPaytm alternativesCRED Pay alternativesFreecharge alternativesAirtel Thanks alternativesMyJio alternativesVi App alternativesFlipkart UPI alternativesNavi UPI alternativesSlice UPI alternativessuper.money alternativesFampay alternativesAll upi & payment apps alternativesBrowse all alternatives