1. PhonePe
PhonePe · Bengaluru · UPI & payment apps · 4.6/5
India's largest UPI app for payments, bills and recharges.
Free
Free plan available
Compared with Xflow
- Has a free plan — Xflow does not
UPI & payment apps · Alternatives
Best Xflow alternatives in India (2026)
Xflow is an upi & payment apps product from Xflow Payments India Pvt. Ltd., Bengaluru, priced at On request. We compared 20 alternatives on published price, free plan, platforms and made-in-India support: 19 have a free plan, 19 are built in India.
Quick answer
The closest alternatives to Xflow are PhonePe (Free), Paytm (Free), FinoPay (On request), CRED Pay (Free) and Freecharge (Free). PhonePe is the top-ranked option with a free plan.
Why businesses look for a Xflow alternative
There is no free plan
Xflow has no free tier. 19 alternatives do, which lets you test with real data before you pay.
Xflow alternatives compared
Ranked by how closely each product matches Xflow'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 |
|---|---|---|---|---|---|---|---|
| — | Xflow (current) | On request | No | Web, Android, iOS | Yes | 3.8/5 | — |
| 1 | PhonePe | Free | Yes | Web, Android, iOS | Yes | 4.6/5 | |
| 2 |  Paytm | Free | Yes | Web, Android, iOS | Yes | 4.6/5 | |
| 3 |  FinoPay | On request | No | Web, Android, iOS | Yes | 3.9/5 | |
| 4 |  CRED Pay | Free | Yes | Web, Android, iOS | Yes | 4.5/5 | |
| 5 |  Freecharge | Free | Yes | Web, Android, iOS | Yes | 4.6/5 | |
| 6 |  Airtel Thanks | Free | Yes | Web, Android, iOS | Yes | 4.5/5 | |
| 7 |  MyJio | Free | Yes | Web, Android, iOS | Yes | 4.5/5 | |
| 8 |  Vi App | Free | Yes | Web, Android, iOS | Yes | 4.5/5 | |
| 9 |  Flipkart UPI | Free | Yes | Web, Android, iOS | Yes | 4.5/5 | |
| 10 |  Navi UPI | Free | Yes | Web, Android, iOS | Yes | 4.4/5 | |
| 11 |  Slice UPI | Free | Yes | Web, Android, iOS | Yes | 4.4/5 | |
| 12 |  super.money | Free | Yes | Web, Android, iOS | Yes | 4.3/5 | |
| 13 |  Fampay | Free | Yes | Web, Android, iOS | Yes | 4.4/5 | |
| 14 |  Paytm for Business | Free | Yes | Web, Android, iOS | Yes | 4.4/5 | |
| 15 |  Junio | Free | Yes | Web, Android, iOS | Yes | 4.3/5 | |
| 16 |  BharatPe for Merchants | Free | Yes | Web, Android, iOS | Yes | 4.3/5 | |
| 17 |  PhonePe for Business | Free | Yes | Web, Android, iOS | Yes | 4.3/5 | |
| 18 |  Kiwi | Free | Yes | Web, Android, iOS | Yes | 4.3/5 | |
| 19 |  CheQ | Free | Yes | Web, Android, iOS | Yes | 4.3/5 | |
| 20 |  Google Pay | Free | Yes | Web, Android, iOS | No | 4.4/5 |
Top 10 Xflow alternatives in detail
2. Paytm
Paytm (One97) · Noida · UPI & payment apps · 4.6/5
Payments, wallet, bills and financial services.
Free
Free plan available
Compared with Xflow
- Has a free plan — Xflow does not
3. FinoPay
Fino Payments Bank · Mumbai · UPI & payment apps · 3.9/5
Fino Payments Bank app for digital savings accounts, UPI payments, transfers and bill payments.
On request
Free trial
Free
Free plan available
Compared with Xflow
- Has a free plan — Xflow does not
Free
Free plan available
Compared with Xflow
- Has a free plan — Xflow does not
6. Airtel Thanks
Airtel · New Delhi · UPI & payment apps · 4.5/5
Recharges, payments and Airtel services.
Free
Free plan available
Compared with Xflow
- Has a free plan — Xflow does not
Free
Free plan available
Compared with Xflow
- Has a free plan — Xflow does not
Free
Free plan available
Compared with Xflow
- Has a free plan — Xflow does not
Free
Free plan available
Compared with Xflow
- Has a free plan — Xflow does not
Free
Free plan available
Compared with Xflow
- Has a free plan — Xflow does not
Xflow alternatives by what you need
Free Xflow alternatives
Indian alternatives to Xflow
How to choose a Xflow 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.
Xflow alternatives — FAQs
What is the best alternative to Xflow in 2026?+
The closest matches to Xflow on App Advisor are PhonePe (Free), Paytm (Free), FinoPay (On request). They are ranked by how closely their category, pricing model, platforms and target business size match Xflow, then by rating. The best choice depends on your team size and budget.
Is there a free alternative to Xflow?+
Yes. 19 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 Xflow?+
Yes. 19 alternatives are built in India, including PhonePe (Free), Paytm (Free), FinoPay (On request). Indian products usually handle GST, TDS and UPI natively and bill in rupees.
Xflow vs PhonePe: which is better?+
PhonePe is the closest match to Xflow in our catalogue. Key differences: Has a free plan — Xflow does not. Compare them side by side before you book a demo.
How were these Xflow alternatives chosen?+
Every product listed sits in upi & payment apps or a category Xflow also covers, and Xflow Payments India Pvt. Ltd.'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 Xflow alternative fits?
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Related alternatives
PhonePe alternativesPaytm alternativesFinoPay alternativesCRED Pay alternativesFreecharge alternativesAirtel Thanks alternativesMyJio alternativesVi App alternativesFlipkart UPI alternativesNavi UPI alternativesSlice UPI alternativessuper.money alternativesAll upi & payment apps alternativesBrowse all alternatives