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UPI & payment apps · Alternatives

Best CRED Pay alternatives in India (2026)

CRED Pay is an upi & payment apps product from CRED, 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.

CRED Pay review

Quick answer

The closest alternatives to CRED Pay are PhonePe (Free), Paytm (Free), Freecharge (Free), Airtel Thanks (Free) and MyJio (Free). PhonePe is the top-ranked option with a free plan.

CRED Pay alternatives compared

Ranked by how closely each product matches CRED Pay's category, pricing model, platforms and business size, then by rating. Prices exclude GST.

#SoftwareStarting priceFree planPlatformsMade in IndiaRatingCompare
—CRED Pay logoCRED Pay (current)FreeYesWeb, Android, iOSYes4.5/5—
1PhonePe logoPhonePeFreeYesWeb, Android, iOSYes4.6/5vs CRED Pay
2Paytm logoPaytmFreeYesWeb, Android, iOSYes4.6/5vs CRED Pay
3Freecharge logoFreechargeFreeYesWeb, Android, iOSYes4.6/5vs CRED Pay
4Airtel Thanks logoAirtel ThanksFreeYesWeb, Android, iOSYes4.5/5vs CRED Pay
5MyJio logoMyJioFreeYesWeb, Android, iOSYes4.5/5vs CRED Pay
6Vi App logoVi AppFreeYesWeb, Android, iOSYes4.5/5
7Flipkart UPI logoFlipkart UPIFreeYesWeb, Android, iOSYes4.5/5
8Navi UPI logoNavi UPIFreeYesWeb, Android, iOSYes4.4/5
9Slice UPI logoSlice UPIFreeYesWeb, Android, iOSYes4.4/5
10super.money logosuper.moneyFreeYesWeb, Android, iOSYes4.3/5
11Fampay logoFampayFreeYesWeb, Android, iOSYes4.4/5
12Paytm for Business logoPaytm for BusinessFreeYesWeb, Android, iOSYes4.4/5
13Junio logoJunioFreeYesWeb, Android, iOSYes4.3/5
14BharatPe for Merchants logoBharatPe for MerchantsFreeYesWeb, Android, iOSYes4.3/5
15PhonePe for Business logoPhonePe for BusinessFreeYesWeb, Android, iOSYes4.3/5
16Kiwi logoKiwiFreeYesWeb, Android, iOSYes4.3/5
17CheQ logoCheQFreeYesWeb, Android, iOSYes4.3/5
18Google Pay logoGoogle PayFreeYesWeb, Android, iOSNo4.4/5
19PayNearby logoPayNearbyFreeYesWeb, Android, iOSYes4.3/5
20RuPay logoRuPayFreeYesWeb, Android, iOSYes4.3/5

Top 10 CRED Pay alternatives in detail

CRED Pay alternatives by what you need

Free CRED Pay alternatives

Indian alternatives to CRED Pay

How to choose a CRED 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.

CRED Pay alternatives — FAQs

What is the best alternative to CRED Pay in 2026?+

The closest matches to CRED Pay on App Advisor are PhonePe (Free), Paytm (Free), Freecharge (Free). They are ranked by how closely their category, pricing model, platforms and target business size match CRED Pay, then by rating. The best choice depends on your team size and budget.

Is there a free alternative to CRED Pay?+

Yes. 20 of the 20 alternatives listed have a free plan or are free: PhonePe (Free), Paytm (Free), Freecharge (Free). Free plans usually cap users, records or transactions, so check the limits against your monthly volume.

Is there an Indian alternative to CRED Pay?+

Yes. 19 alternatives are built in India, including PhonePe (Free), Paytm (Free), Freecharge (Free). Indian products usually handle GST, TDS and UPI natively and bill in rupees.

CRED Pay vs PhonePe: which is better?+

PhonePe is the closest match to CRED Pay in our catalogue. Compare them side by side before you book a demo.

How were these CRED Pay alternatives chosen?+

Every product listed sits in upi & payment apps or a category CRED Pay also covers, and CRED'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 alternativesFreecharge alternativesAirtel Thanks alternativesMyJio alternativesVi App alternativesFlipkart UPI alternativesNavi UPI alternativesSlice UPI alternativessuper.money alternativesFampay alternativesPaytm for Business alternativesAll upi & payment apps alternativesBrowse all alternatives