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 Bajaj Pay alternatives in India (2026)
Bajaj Pay is an upi & payment apps product from Bajaj Finserv, Pune, 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 Bajaj 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.
Bajaj Pay alternatives compared
Ranked by how closely each product matches Bajaj 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 |
|---|---|---|---|---|---|---|---|
| — | Bajaj Pay (current) | Free | Yes | Web, Android, iOS | Yes | 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 |  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 Bajaj 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
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
Bajaj Pay alternatives by what you need
Free Bajaj Pay alternatives
Indian alternatives to Bajaj Pay
How to choose a Bajaj 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.
Bajaj Pay alternatives — FAQs
What is the best alternative to Bajaj Pay in 2026?+
The closest matches to Bajaj 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 Bajaj Pay, then by rating. The best choice depends on your team size and budget.
Is there a free alternative to Bajaj 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 Bajaj Pay?+
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.
Bajaj Pay vs PhonePe: which is better?+
PhonePe is the closest match to Bajaj Pay in our catalogue. Compare them side by side before you book a demo.
How were these Bajaj Pay alternatives chosen?+
Every product listed sits in upi & payment apps or a category Bajaj Pay also covers, and Bajaj Finserv'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 Bajaj Pay alternative fits?
Tell us your team size and budget and we'll send a shortlist of three.
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