Best Online Payment Apps in India

Nowadays people do not want to wait in long lines for payment of water bills, be it in banks or electricity. Mobile payment app or digital wallets are brought for this purpose. Anywhere you can access your bank account.
With the help of these payment gateways or apps, you can make payments anywhere. Users can book movie tickets online or shop online/offline. Now whether you want to pay bills at a restaurant or local grocery shop, payment is easy everywhere.

In this article, we will tell about the best online payment apps that have millions of Indian users. These apps have an important role to play in making India a cashless economy. Now for payment, neither card is needed nor cash, you just need a mobile wallet.

Paytm-UPI ,Money Transfer,Recharge,Bill Payment

Paytm app is the best app to transfer money from bank to bank using BHIM UPI. It is the most popular online payment app with 4.6 ratings on Google Play Store. Paytm app can be used to book tickets for railways, movies, other events.
This app is available for all platforms like IRCTC, Swiggy, Zomato, Uber. Be it DTH recharge or mobile postpaid or prepaid recharge all options are available on the app. Paytm gives you monthly bill payment information. Along with this it also provides notification about the due date of all mobile data packs, DTH packs, etc.

You can use this app to pay all types of bills like gas, water, electricity, etc. With Paytm App, you can invest in Digital Gold, Mutual Funds, NPS, etc. The most interesting point is that you can check your CIBIL credit score for free in this app. Within a Minute one can book bus, train, or flight tickets from Paytm.
KYC is not required to use the wallet in this app. With this app, you can manage all your bank accounts, and also get bank balance information in one click. Users can recharge Tata Sky, Airtel DTH, Videocon, Dish TV all through Paytm. You also get exciting cashback offers in the Paytm app.
Users can use Paytm Wallet for the FasTag account.

Whether it is a petrol pump or a five-star restaurant or a supermarket, you can easily pay with the Paytm app everywhere. These days, whether it is a vegetable seller or a grocery shop in your locality, QR codes will be available to everyone, by scanning which you can make all kinds of small or big payments.
The number of users of the Paytm app is more than 9.5 million and is growing rapidly.


PhonePe is the most popular online payment app. this payment app is a very easy and secure app.PhonePe app is useful for bill payment, recharge, instant money transfer, shopping, etc. The trend of digital payment is growing rapidly.PhonePe lets you pay for both online and offline purchases. In this app, you can use Digital Wallet, BHIM UPI, Debit Card, and Credit Card for instant payment. Whether to pay off the loan or invest in mutual funds, you get all these facilities in the PhonePe app. With this app, you can also buy insurance plans, pay electricity bills, recharge TVs and mobiles within minutes.

In this payment app, you can also use One Time PasswordPattern Lock, PIN, and Password for Security. Your registered number is required to log in to the PhonePe app. You can use One Time Password to verify your Bank’s registered mobile number. 

Users also get exciting rewards by using this app. Anyone can transfer money to phone contacts easily. Apart from this, you can also transfer money to the bank account numbers of your friends and family.

Using the payment app, you can pay using ‘QR code’ on online shopping platforms like Amazon, Flipkart, Myntra, etc as well as in local stores.

You can also pay by scanning the ‘QR Code’ from the PhonePe app.

You must need the phone’s camera to scan the QR code. Users can pay on online platforms like Amazon, Flipkart by using this payment app. Along with this, you can also pay with a QR card in Glossary Stores, Medical Shops. Phone Pay has a rating of 4.4 in the Google Play Store. The number of people using this app is more than 7 million.

Google Pay: Secure UPI Payment

Google Pay is the easiest and fastest payment app. You can use Google Pay for prepaid and postpaid recharge, electricity bill payment, DTH recharge, etc. Millions of Indians are using this app.

You need a mobile number and an account with any Indian bank to use this payment app. For transactions on the Google Pay app, you can use the National Payment Corporation of India BHIM UPI which is simple and secure.

 In this app, you can connect with friends, send money to them. You can also get many rewards. In Google Pay, you get the facility to do secure transactions, there is no chance of fraud in it. with this online payment app, every transaction of the user is secured with the UPI-Pin.

In this, you can secure it in two-layer with a password or pattern lock. Google Pay works with banks that support BHIM UPI.

You can pay any type of bill easily. It works with all the billers in the country. With Google Pay, you no longer have to stand in long lines for electricity bills, nor do you have to stand in long lines at banks to transfer money.

In this app, you can buy and sell 24K gold. You can also gift gold to your friends and family members. Users can also trade gold safely at live rates backed by MMTC-PAMP.

Phone Pay has a rating of 4.2 in the Google Play Store. More than 6 million people are using this app. Google Pay is a better option to promote a cashless economy.

Priyam Sengar

Priyam Sengar is a writer, artist, and inspirationalist, she is passionate about technology and gadgets, after completing her master's in computer she started her carrier in Information technology.

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