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 Spice Money alternatives in India (2026)
Spice Money is an upi & payment apps product from Spice Money Limited, Noida, 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 Spice Money are PhonePe (Free), Paytm (Free), CRED Pay (Free), Freecharge (Free) and Airtel Thanks (Free). PhonePe is the top-ranked option with a free plan.
Spice Money alternatives compared
Ranked by how closely each product matches Spice Money'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 |
|---|---|---|---|---|---|---|---|
| — | Spice Money (current) | Free | Yes | Web, Android, iOS | Yes | 4.3/5 | — |
| 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 Spice Money 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
Spice Money alternatives by what you need
Free Spice Money alternatives
Indian alternatives to Spice Money
How to choose a Spice Money 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.
Spice Money alternatives — FAQs
What is the best alternative to Spice Money in 2026?+
The closest matches to Spice Money 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 Spice Money, then by rating. The best choice depends on your team size and budget.
Is there a free alternative to Spice Money?+
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 Spice Money?+
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.
Spice Money vs PhonePe: which is better?+
PhonePe is the closest match to Spice Money in our catalogue. Compare them side by side before you book a demo.
How were these Spice Money alternatives chosen?+
Every product listed sits in upi & payment apps or a category Spice Money also covers, and Spice Money Limited'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 alternativesCRED Pay alternativesFreecharge alternativesAirtel Thanks alternativesMyJio alternativesVi App alternativesFlipkart UPI alternativesNavi UPI alternativesSlice UPI alternativessuper.money alternativesFampay alternativesAll upi & payment apps alternativesBrowse all alternatives