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 Navi UPI alternatives in India (2026)
Navi UPI is an upi & payment apps product from Navi Technologies, 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.
Quick answer
The closest alternatives to Navi UPI are PhonePe (Free), Paytm (Free), CRED Pay (Free), Freecharge (Free) and Airtel Thanks (Free). PhonePe is the top-ranked option with a free plan.
Navi UPI alternatives compared
Ranked by how closely each product matches Navi UPI'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 |
|---|---|---|---|---|---|---|---|
| — | Navi UPI (current) | Free | Yes | Web, Android, iOS | Yes | 4.4/5 | — |
| 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 |  Slice UPI | Free | Yes | Web, Android, iOS | Yes | 4.4/5 | |
| 10 |  super.money | Free | Yes | Web, Android, iOS | Yes | 4.3/5 | |
| 11 |  Fampay | Free | Yes | Web, Android, iOS | Yes | 4.4/5 | |
| 12 |  Paytm for Business | Free | Yes | Web, Android, iOS | Yes | 4.4/5 | |
| 13 |  Junio | Free | Yes | Web, Android, iOS | Yes | 4.3/5 | |
| 14 |  BharatPe for Merchants | Free | Yes | Web, Android, iOS | Yes | 4.3/5 | |
| 15 |  PhonePe for Business | Free | Yes | Web, Android, iOS | Yes | 4.3/5 | |
| 16 |  Kiwi | Free | Yes | Web, Android, iOS | Yes | 4.3/5 | |
| 17 |  CheQ | Free | Yes | Web, Android, iOS | Yes | 4.3/5 | |
| 18 |  Google Pay | Free | Yes | Web, Android, iOS | No | 4.4/5 | |
| 19 |  PayNearby | Free | Yes | Web, Android, iOS | Yes | 4.3/5 | |
| 20 |  RuPay | Free | Yes | Web, Android, iOS | Yes | 4.3/5 |
Top 10 Navi UPI 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
10. super.money
super.money (Flipkart) · Bengaluru · UPI & payment apps · 4.3/5
UPI app from Flipkart.
Free
Free plan available
Navi UPI alternatives by what you need
Free Navi UPI alternatives
Indian alternatives to Navi UPI
How to choose a Navi UPI 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.
Navi UPI alternatives — FAQs
What is the best alternative to Navi UPI in 2026?+
The closest matches to Navi UPI 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 Navi UPI, then by rating. The best choice depends on your team size and budget.
Is there a free alternative to Navi UPI?+
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 Navi UPI?+
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.
Navi UPI vs PhonePe: which is better?+
PhonePe is the closest match to Navi UPI in our catalogue. Compare them side by side before you book a demo.
How were these Navi UPI alternatives chosen?+
Every product listed sits in upi & payment apps or a category Navi UPI also covers, and Navi Technologies'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 Navi UPI 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 alternativesSlice UPI alternativessuper.money alternativesFampay alternativesPaytm for Business alternativesAll upi & payment apps alternativesBrowse all alternatives