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 WhatsApp Pay
- Built in India (Bengaluru)
UPI & payment apps · Alternatives
Best WhatsApp Pay alternatives in India (2026)
WhatsApp Pay is an upi & payment apps product from Meta, Menlo Park, 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, 16 are built in India.
Quick answer
The closest alternatives to WhatsApp 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 WhatsApp Pay alternative
Indian support and GST
WhatsApp Pay is built in United States. 16 alternatives are made in India, where GST, TDS and UPI are usually handled natively and support runs on IST.
WhatsApp Pay alternatives compared
Ranked by how closely each product matches WhatsApp 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 |
|---|---|---|---|---|---|---|---|
| — | WhatsApp Pay (current) | Free | Yes | Web, Android, iOS | No | 4.2/5 | — |
| 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 |  Apple Pay (not in India) | Free | Yes | Web, Android, iOS | No | 4.3/5 | |
| 18 |  Junio | Free | Yes | Web, Android, iOS | Yes | 4.3/5 | |
| 19 |  BharatPe for Merchants | Free | Yes | Web, Android, iOS | Yes | 4.3/5 | |
| 20 |  PhonePe for Business | Free | Yes | Web, Android, iOS | Yes | 4.3/5 |
Top 10 WhatsApp 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 WhatsApp Pay
- Built in India (Noida)
Free
Free plan available
Compared with WhatsApp Pay
- Built in India (Bengaluru)
Free
Free plan available
Compared with WhatsApp 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 WhatsApp Pay
- Built in India (New Delhi)
Free
Free plan available
Free
Free plan available
Compared with WhatsApp Pay
- Built in India (Navi Mumbai)
Free
Free plan available
Compared with WhatsApp Pay
- Built in India (Mumbai)
Free
Free plan available
Free
Free plan available
Compared with WhatsApp Pay
- Built in India (Bengaluru)
WhatsApp Pay alternatives by what you need
Free WhatsApp Pay alternatives
Indian alternatives to WhatsApp Pay
How to choose a WhatsApp 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.
WhatsApp Pay alternatives — FAQs
What is the best alternative to WhatsApp Pay in 2026?+
The closest matches to WhatsApp 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 WhatsApp Pay, then by rating. The best choice depends on your team size and budget.
Is there a free alternative to WhatsApp 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 WhatsApp Pay?+
Yes. 16 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.
WhatsApp Pay vs PhonePe: which is better?+
PhonePe is the closest match to WhatsApp Pay in our catalogue. Key differences: Built in India (Bengaluru). Compare them side by side before you book a demo.
How were these WhatsApp Pay alternatives chosen?+
Every product listed sits in upi & payment apps or a category WhatsApp Pay also covers, and Meta'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 WhatsApp Pay 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