Payments and passes.
FreeMobile app
Starts at
Free
Consumer & Everyday Apps
Best UPI & payment apps in India (2026)
UPI and payment apps handle person-to-person transfers, bill payments, recharges and merchant payments. For businesses, the merchant apps add QR codes, soundboxes, settlements and simple ledgers.
40 products compared31 made in India32 with a free plan
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Apple's wallet, not available in India.
FreeMobile app
Starts at
Free
Small-value offline UPI.
NewMade in IndiaFree
Starts at
Free
Digital wallet.
Made in IndiaFreeMobile app
Starts at
Free
UPI for feature phones.
NewMade in IndiaFree
Starts at
Free
UPI inside WhatsApp.
FreeMobile app
Starts at
Free
UPI and wallet.
Made in IndiaFreeMobile app
Starts at
Free
Merchant app.
FreeMobile app
Starts at
Free
Retail cash-in network and APIs for money transfer, Aadhaar withdrawals and bill payments.
Made in IndiaMobile app
Starts at
On request
Fino Payments Bank app for digital savings accounts, UPI payments, transfers and bill payments.
Made in IndiaMobile app
Starts at
On request
Payments stack with gateway, payouts, B2B bill payments and verification APIs for Indian businesses.
Made in IndiaMobile app
Starts at
On request
Cross-border payments platform for Indian exporters and freelancers to receive international payments.
Made in IndiaMobile app
Starts at
On request
RBI-authorised cross-border payment gateway for Indian businesses collecting from 180+ countries.
Made in IndiaMobile app
Starts at
On request
Remittance app for sending money to India and 170+ countries via bank deposit, wallet or cash pickup.
Mobile app
Starts at
On request
International money transfer app for sending funds from India to bank and university accounts abroad.
Mobile app
Starts at
Fees vary by amount, currency and destination
Global money transfer service for sending funds from India to 200+ countries online or via app.
Mobile app
Starts at
Fees and exchange rates vary by channel and destination
Ordered by App Advisor rating. Nothing here is paid placement — see how we rate software.
How to choose upi & payment apps
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.
What to look for
- ✓ UPI transfers and QR payments
- ✓ Bill payments and recharges
- ✓ Merchant soundbox and settlements
- ✓ Credit on UPI and RuPay cards
- ✓ Wallet and gift cards
- ✓ Transaction history and reports
- ✓ Security and device binding
- ✓ International UPI
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UPI & payment apps — frequently asked questions
Which UPI app is most used in India?+
PhonePe and Google Pay together handle most UPI volume, followed by Paytm, CRED, BHIM and bank apps.
Related categories
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