5 Secure UPI payment Apps for (Android/iPhone ) users
UPI

What is UPI  Payment

UPI payment Apps, Hey hello readers you are reading the right thing in your mobiles or pc because, when in India NPCI (National payments corporation of India) introduces 11  April 2016 the UPI (unified payments interface ) payment system in India than many people still don’t know about the digital payment.

But after Demonetisation 8 November 2016 in India. the digital payment was increasing very quickly and peoples who don’t about Digital payment they are also started to learn how to send or receive the digital payment because of demonetisation.

Digital payment is not new in India there are so many third-party apps or services already present in India for digital payment but very few people are using Digital payment.

After introducing the UPI payment system which is our own payment system in India, it gives the heart attack to the third-party services or apps because of third party apps & services charge money from customers for sending or receiving money.

Before the UPI payment system, there are some few apps which Indian customers are using for digital payment (eg-Paytm,phonepe, freeCharge) this all apps are providing the Ewallet facility for digital payments means you have to add the money in your account wallet than you can use the facility of digital Payment this is one of the ways to use digital payment before UPI.

When UPI system came it totally change the payment system of India and the most important thing is that UPI only works in mobile, not in Desktop version & UPI have some coolest unique feature which makes the payment more secure.

 The unique features of UPI

  • Money transfer through mobile device round the clock 24*7 and 365 days
  • Single mobile application for accessing different bank accounts.
  • Utility Bill Payments, Over the Counter Payments, Barcode (Scan and Pay) based payments.
  • Single Click 2 Factor Authentication.
  • Bill Sharing with friends.

lits of Apps that Allow UPI payment in India

1 )Paytm

2) phonepe

3) google pay

4) Amazon pay

5) BHIM Upi

1) Paytm – BHIM UPI, Money Transfer & Mobile Recharge

paytm

Paytm is one of the most popular apps in India because Paytm is an Indian e-commerce payment system company which helps us to do digital payment across in India & most important fact about  Paytm is it totally handcrafted in India ( made in India )and also a made by Indian Vijay Shekhar Sharma the real owner of paytm.com or Paytm app.

Paytm currently has a  140 million active user in a  month and more than 350 million users all over India and this number are increasing day by day because Paytm is a most trusted brand in India in terms of Secure payments.

Not only for secure payments but Paytm also provide some other services like Paytm mall facilities (eg-shopping) from where you can purchase the electronic gadgets,pc, mobiles and many more things in huge discount.

Google play store rating ( 4.5 )  with total reviews 70,61,388 &  100M+ downloads

key Features of Paytm apps 

  • 24 x 7 and 365 days call support.
  • Multiple payment options like UPI, Debit Card, Credit Card, BHIM UPI, Net banking
  • Paytm app also certified  by (PCI-DSS, Mastercard SecureCode, Verified by VisaAmerican express safe key, Norton secure)
  • Paytm also accept all type of  Utility bill payment like (eg- Mobile recharge, electricity bill, DTH recharge, gas bill, water bill & Paytm accepts all types of bills payment).
  • Most advance feature of Paytm apps is you can access your Paytm account in desktop version also with same user id and password
  • True Paytm app you can also open the zero balance saving account with a 3.5% interest rate.
  • Paytm also accepts Barcode (Scan and Pay) based payments.
  • It also Digital wallet facility.
  • Apps available for  (Android/iPhone ) users

2) PhonePe – UPI Payments, Recharges & Money Transfer

PhonePe |

Phonepe is an Indian leading E-commerce payment company and digital Wallet company. it was found in December 2015. phonepe is really amazing apps because phonepe app has a simple look and easy user-interface and lots of unique features.

Not only unique feature but it also supports UPI payment system which means you can link your multiple bank account in one app.

phonepe really simple and easy to use many peoples love phonepe app because it looks very simple easy.

Google play store rating ( 4.5 )  with total reviews 42,77,028  &  100M+ downloads

key Features of Phonepe

  • 24 x 7 and 365 days call support.
  • multiple payment options like UPI, Debit card, Credit card.
  • phonepe also certified by (PCI-DSS, ISO-International Organization for Standardization)
  • phonepe also accepts all types of utility bills (eg- electricity bill payment, DTH recharge, Mobile-prepaid/postpaid recharge, water bill, FASTag recharge, Gas booking and many more)
  • phonepe pay accepts Barcode (Scan and Pay) based payments.
  • phonepe also have the Digital wallet facility.
  • Apps were available for  (Android/iPhone ) users.

3) Google Pay (Tez) – a simple and secure payment app

ಪೇ |

Google pay is a product of Google and this app fully support the UPI payment. google pay was release 8 august 2018 after demonetisation and really very fast google pay became the editor choice apps  in India

Google pay has more than 55 million active users monthly and this number is not small day to day it was increasing because google pay became the trusted brand in India or its also a product of Google.

In google pay, there is no tension bout related to KYC documentation because google pay apps work only on UPI method or google pay doesn’t have the Digital wallet option. we don’t have to required for KYC but some others wallets(eg-Paytm,phonepe)required KYC for a digital wallet.

This is one of the good features of UPI, you have to just verify the mobile number true UPI to a bank.

Google play store rating ( 4.3 )  with total reviews 42,29,946  &  100M+ download

key Features of Google pay

  • 24 x 7 and 365 days call support
  • Google pay  accepts all types of utility bills (eg- electricity bill payment, Mobile-prepaid/postpaid recharge, DTH recharge, water bill, FASTag recharge, Gas booking etc)
  • Google pay also accepts Barcode (Scan and Pay) based payments.
  • But no Digital wallet feature 
  • Google pay also certified by own itself Google security
  • simple and clean user interface.
  • Single payment option like UPI 
  • Apps are available for  (Android/iPhone ) users.

4) Amazon pay, UPI, Money Transfer, Bill Payment

 Amazon pay, UPI, Money Transfer, Bill Payment

Amazon, yes now amazon also accept the  UPI payment because Amazon Pay is an online payments processing service that is owned by Amazon. Launched in 2007. Amazon is a multinational E-commerce company and amazon pay is feature include is her own app

amazon pay became the most favourite choice in terms of money payment in India because Amazon gives you lots of offers or cashback when you use amazon pay to make payment for shopping or utility bills payments,

Amazon pay accepts all types  of the online payment method or UPI payment method and the most important part of amazon pay is it also gives you E-wallet facilities like other apps

Google play store rating ( 4.3 )  with total reviews 52,91,721 &  100M+ download

Key features of amazon pay 

  • 24 x 7 and 365 days call support.
  • Multiple payment options like UPI, Credit Card, Debit Card,  Net Banking, BHIM UPI.
  • amazon pay accepts all type of  Utility bill payment like (eg- Mobile recharge, electricity bill, DTH recharge, gas bill, water bill & money transfer, bus tickets, flights booking etc).
  • amazon pay also accepts Barcode (Scan and Pay) based payments.
  • It also has Digital wallet facility after KYC you can also upgrade the limits of wallet up to 1L
  • amazon pay also certified by own itself amazon security.
  • Apps were available for  (Android/iPhone ) users.

5)BHIM – MAKING INDIA CASHLESS

5)BHIM - MAKING INDIA CASHLESS

BHIM app the original UPI payment app developed by the National Payments Corporation of India(NPCI), based on the Unified Payments Interface.

This BHIM app was introduced on 30 December 2016  after demonetisation in India and this apps is really awesome in this app there are fewer chances of fraud.

In  BHIM app you can manage your all multiple banks account in one app due to this BHIM app you can also pay utility bills payment, money transfer etc.

But in this app, you cannot pay prepaid recharges and E-wallet facilities because BHIM UPI is only made for money transfer or bills payments.

Google play store rating ( 4.5 )  with total reviews 6,65,014 &  50M+ download

key features of BHIM UPI

  • 24 x 7 and 365 days call support.
  • Single payment option like UPI  
  • BHIM app accepts all types of utility recharge but not prepaid recharges (eg- electricity bill payment, Mobile-postpaid recharge, DTH recharge, water bill, FASTag recharge, Gas booking etc)
  • BHIM pay certified by (NPCI) National Payments Corporation of India.
  • BHIM pay accepts Barcode (Scan and Pay) based payments.
  • This BHIM app also not have  Digital wallet feature.
  • Apps are available for  (Android/iPhone ) users.
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Omkar Sharma

Web Developer & Programmer by education, blogger by Hobby…Founded “Surferpage.com”

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