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 UPI 123PAY alternatives in India (2026)
UPI 123PAY is an upi & payment apps product from NPCI, Mumbai, 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 UPI 123PAY are PhonePe (Free), Paytm (Free), CRED Pay (Free), Freecharge (Free) and Airtel Thanks (Free). PhonePe is the top-ranked option with a free plan.
UPI 123PAY alternatives compared
Ranked by how closely each product matches UPI 123PAY'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 |
|---|---|---|---|---|---|---|---|
| — | UPI 123PAY (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 UPI 123PAY 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
UPI 123PAY alternatives by what you need
Free UPI 123PAY alternatives
Indian alternatives to UPI 123PAY
How to choose a UPI 123PAY 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.
UPI 123PAY alternatives — FAQs
What is the best alternative to UPI 123PAY in 2026?+
The closest matches to UPI 123PAY 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 UPI 123PAY, then by rating. The best choice depends on your team size and budget.
Is there a free alternative to UPI 123PAY?+
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 UPI 123PAY?+
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.
UPI 123PAY vs PhonePe: which is better?+
PhonePe is the closest match to UPI 123PAY in our catalogue. Compare them side by side before you book a demo.
How were these UPI 123PAY alternatives chosen?+
Every product listed sits in upi & payment apps or a category UPI 123PAY also covers, and NPCI'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 UPI 123PAY alternative fits?
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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