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 UPI Lite
- Also available on Web
UPI & payment apps · Alternatives
Best UPI Lite alternatives in India (2026)
UPI Lite is an upi & payment apps product from NPCI, Mumbai, 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 UPI Lite are PhonePe (Free), Paytm (Free), CRED Pay (Free), Freecharge (Free) and Airtel Thanks (Free). PhonePe is the top-ranked option with a free plan.
UPI Lite alternatives compared
Ranked by how closely each product matches UPI Lite'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 |
|---|---|---|---|---|---|---|---|
| — | UPI Lite (current) | Free | Yes | Android, iOS, Windows | 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 |  Kiwi | Free | Yes | Web, Android, iOS | Yes | 4.3/5 | |
| 18 |  CheQ | Free | Yes | Web, Android, iOS | Yes | 4.3/5 | |
| 19 |  Google Pay | Free | Yes | Web, Android, iOS | No | 4.4/5 | |
| 20 |  PayNearby | Free | Yes | Web, Android, iOS | Yes | 4.3/5 |
Top 10 UPI Lite 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 UPI Lite
- Also available on Web
Free
Free plan available
Compared with UPI Lite
- Also available on Web
Free
Free plan available
Compared with UPI Lite
- Also available on Web
5. Airtel Thanks
Airtel · New Delhi · UPI & payment apps · 4.5/5
Recharges, payments and Airtel services.
Free
Free plan available
Compared with UPI Lite
- Also available on Web
Free
Free plan available
Compared with UPI Lite
- Also available on Web
Free
Free plan available
Compared with UPI Lite
- Also available on Web
Free
Free plan available
Compared with UPI Lite
- Also available on Web
Free
Free plan available
Compared with UPI Lite
- Also available on Web
Compared with UPI Lite
- Also available on Web
UPI Lite alternatives by what you need
Free UPI Lite alternatives
Indian alternatives to UPI Lite
How to choose a UPI Lite 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.
UPI Lite alternatives — FAQs
What is the best alternative to UPI Lite in 2026?+
The closest matches to UPI Lite 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 UPI Lite, then by rating. The best choice depends on your team size and budget.
Is there a free alternative to UPI Lite?+
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 UPI Lite?+
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.
UPI Lite vs PhonePe: which is better?+
PhonePe is the closest match to UPI Lite in our catalogue. Key differences: Also available on Web. Compare them side by side before you book a demo.
How were these UPI Lite alternatives chosen?+
Every product listed sits in upi & payment apps or a category UPI Lite also covers, and NPCI'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
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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