10 Most Trusted & Best UPI Apps in India for Digital Payment [2020 Edition]

In this modern days ,Worlds are going cashless so why you're not paying through Digital apps means UPI based apps.In India more then 50% of population using Smartphones.so here we talk about :-

• What is UPI
• How its works ?
• Advantages of UPI payments.
• Disadvantages of UPI payments.
• Tips to Safe & Secure your UPI Payments.
• List of 7 Best UPI Apps for Digital Payment's.

After Demonetization in India Cashless system is growing Day by day.UPI payments are main segment of Digital Payment or Online payments.Unified Payments Interface mostly known as UPI ,most of banks have their own operated UPI,provided to Coustemer of banks.here we talk about Different banking apps like YONO SBI app,Axis Bank app or etc.
UPI is developed by National Payments Corporation of India (NPCI) work simultaneously between two different banking payments.transferring money or paying money is too easy in UPI apps.

What is UPI :-

Unified Payment Interface or UPI  is developed by NPCI for the guidelines of RBI.this interface is regulated by Reserve bank of India & works by instantly sending funds between two accounts in on a mobile platform.
The sending & Receiving the money is done in real time basis & it does not require IFSC code.but there you need VPA.the full form Virtual Payment address,you can make this on BHIM  UPI app or any Indian banks app.you can create several VPA through BHIM UPI app.

How UPI Payments Works :-

UPI payments  works in different methods -

1.QR Code :-
Everybody knows QR code(Quick Response Code),one of the best & easy method to make payments .You can payments through scan of payee QR code & send money,no password required.

2.VPA ID:-
You have need to share your VPA(Virtual payment address ) ID to make payments & then you received a notification on your registered mobile number,you have conifrim to transctaion by entering your MPIN. This method broadly used by Online Shopping Store like Amazon's ,Flipkart etc.

3.Mobile Number :-
You can send money to your mobile number which is linked to your bank account through MMID(Mobile Money Identifier)this is seven digit unit code generates by bank to the coustmer for registration for Immediate Payment Service.

4.Aadhar Number :-
Govt. Of India notified that every bank account user linked their Aadhar Number with their bank account.so this reason oyou can send or received money through sharing your Aadhar number.

5.Sharing Your Account Information :-
One of the simplest method of transferring money to share your Account Number or IFSC Code for transferring money to others bank account.

You Can Read Also 

• Top 5 Common mistakes Make by Every Android Users
• Best 10 Tech Website & Blog in 2019 :- TechyGuide

Advantages of UPI Payments :-

• UPI is cheapest methods to transferring fund to others accounts .You won't believe that charge for sharing fund is only 50piasa.
• Sharing fund trough UPI is more fast then others method.you can send or receive money 24*7 without any cost.
• It is very simple method to transfers money ,only one time you enter your bank details & then no required such this documnets.You need only your VPA I'd.
• It is universal means you can linked many account yo one UPI app.you no need to different UPI for different bank accounts.
• More secure then payment through card,because when you paying through card you need to enter your Card number & CVV.but here you only need your VPA I'd.
• In UPI you can also use Money collection faculty.

Disadvantages of UPI Payments :-

• One time transfer limit is rs.1,00,000 if you more then transfer you need to send one by one.
• Not work when your Mobile INTERNATE is slow ,so this one is also a cons.

You can Read Also :-

Best apps to increase net speed 

• We all know that UPI is very fast ,but sometimes this delay for sending money up to 48 hour's.

Tips to Safe & Secure Use of UPI :-

• Be alert to transfer request on UPI
• Spam warning on Google pay app
• Limit third party app to see your mobile screen
• Never share your VPA ID to any others person
• Don't install any UPI app which is not trusted.

List Of 7 Best UPI App in India 

1.Phone Pe

Phone Pe is most used & trusted UPI app in India.You can send money or request for money to various methods.it also gives Wallet facility as well as.Phone Pe is launch in 2016 ,which is based on Bangalore .

This is not only money transfer app but you can do also Mobile recharge ,book movie tickets ,Pay food order money ,as well as paying different E -Commerce websites like Amazon's ,Flipkart.

Here a interesting fact about PhonePe is That Phone Pe app is subsidiary of Flipkart & now WalMart is new owner of Flipkart,that is the reason why Flipkart is first website to support Phone Pe transction.

Phone Pe App Information :-

• Downloads.        :- 100+Million 
• Rating.                 :- 4.5*(4Million rewies)
• App Size.             :- 29MB

Features of Phone Pe App

1. Most used UPI app in India.
2. You can also book movie tickets ,Train ticket, Recharge mobile,pay TV bill & much others work in One place.
3. User friendly & Simple but Powerful App.
4. Money storage 
5. Wallet Topups
6. You can also integrate Jio Money app with you Phone Pe app.
7. Excellent Cash back & Rewards.
8. Security is very high in this app.

Benefits 

1. All in One App :- You can not only send or receive money but also do much work with Phone Pe.So this apps not only save your time but also money.
2. Direct transfer of Funds :- a faster & much secure method to transfer money.direct transfer money bank account to PhonePe wallet.
3. Multi Payment option :- here you can not only pay through bank account,you can also use UPI,Credit Card,Debit Card to pay money.

Download Phone Pe App ⏩ Click here 

2.Google Pay :-

Google pay app is a new UPI payment app by Google.it is very easy to use to send or receive money.you can not only Send or Receive money but also Pay Bills,recharge,online shopping & different others works.

Here a interesting fact is Google Pay name is before Google Tez .recently changed their name to Google Pay app.

Google pay app is most use & innovative UPI app.Google pay is tied up with four banks in India to provide VPA service to their coustmers.soon you can link your Paypal account to your Google Pay app.this is best features available in USA & Germany & Coming soon in your Country.but there is no wallet given.

Information About Google Pay App :-

• Downloads.         :- 100+ Million
• Ratings.                :- 4.5*(4Million rewies)
• App size.              :- 11MB

Features of Google Pay App :-

1. First app which introduced NFC technology in Cash mode transaction.
2. Here no wallet option is given.
3. Most secure UPI app.
4. Smooth & user friendly interface app.
5. Best Rewarded UPI app in India.
6. No KYC document are required.
7. Spam Booking mode will be given for more security to Your bank money.
8. Chat before app.

Benefits :-

1. Send & Received money via Audio to NFC technology
2. Multiple payment methods
3. Best rewards & cash back offres
4. Do much work.
5. Loan offer.

Download Google Pay App Here ⏩ Click here

3.Mobikwik app

Mobikwik is online portal where you pay bills ,make online recharges for mobiles,DTH or others service.Mobikwik is gurgaon based UPI payment app which is one of the most popular UPI app in India.this app is provides you a lot of service.You can not only pay or transeffer money but also shopping payments, Mobile & DTH recharges as well as you can invest your money in Mutual Fund through this one app.

Mobikwik app information

• Download.         :- 10+ Million
• Rating.                :-  4.4*(1 M rewies)
• App size.             :-  20 MB

Features :-

1. Smooth & Clean app interface.
2. You can get instant loan up to Rs. 1Lac without any paper document.
3. Safe & secure payments.
4. Do most of work.

Benefits :-

1. User friendly & smooth interface 
2. You we get expenses manager ,which can read all the expenses messages.
3. Invest in Direct Mutual Fund
4. Excellent discount & cash back offers.
5. You can also purchase insurance of different types.

Download Mobikwik App Here ⏩ Click here

4.Paytm :-

Paytm (Pay - T-M pronounce like ATM).this is noida based UPI payment wallet app.India most popular & downloaded UPI app.it is highest number of features with digital paying app in India.the app has Excellent UI loved by everyone because lots of features in one place.

Paytm first started at mobile wallet platform but in times they adds many services.the is All in one app.

Paytm app information

• Download.    :- 100+ million
• Rating.           :-  4.5*(6 Million rewies)
• App size.        :-  34 MB

Features :-

1. Most Popular & best UPI app in India.
2. You can not only transeffer money but also Rechrage mobile & DTH,Book tickets for movie & pay bills all in one place.
3. This is support credit card payment system.
4. Here you can also shop with Paytm Mall.
5. You can transfer money through QR code.

Benefits :-

1. Widely accepted app in all over India.
2. Most secure app to make payments.
3. Easy to use ,Excellent interface 
4. You can done most of work in one place.
5. Great Cash back & offres .

Download Paytm App here ⏩ Click here

5.Free charge :-

Free charge is also best app to Transfer money & Get Recharges.this app not provoide Phone Pe ,Paytm like much services but gives some best & Useful services to their coustmers.
Here you can create your your own @freecharge UPI I'd for free .you can also create Free charge wallet using Free charge app by uploading some document to KYC.

Free charge app Information 

• Downloads.          :- 10+ Million
• Rating.                   :- 4.1* (1 M rewies)
• App size.                :- 11 MB

Features :-

1. One of the highest rated app both in Android & iOS.
2. The maximum amount to added in Free charge amount is Rs. 20000 limited but here no limit set for making payments,paid bills & others services.
3. One of the best & Unique feature that is Wallet Insurance.You can insurence your wallet & if the mobile stolen you will get return your money.
4. Secure with CVV to make coustmer satisfaction high.

Benefits :-

1. You can pay money ,bills through WhatsApp .here you use chat & pay option.
2. Smooth & user friendly interface.
3. You can complete your every transaction less then 10 seconds.
4. More safety to Wallet Insurance.
5. Used by more then 100000 Online & Offline Marchants.

Download Freecharge App here ⏩ Click here

6.Kotak 811 UPI app

This app is combination of Kotak mahindra bank & UPI & provide both of the services.one of the best thing of this app is You can open account in zero balance.you don't need any amount.here two types of UPI app given by kotak,first one is for Kotak mahindra bank coustmer & second is non Kotak mahindra bank coustmer.

Kotak 811 app information :-

• Download.           :- 100K+
• Rating.                  :- 4.2* (251 rewies)
• App size.               :- 12 MB

Features :-

1. Create your own VPA(Virtual payment address ID)
2. You can link your all bank accounts in One UPI app like others UPI apps.
3. You can also collect money & changed your PIN.
4. Secure UPI app.

Benefits :-

1. You can do bank work in one place.
2. You can instant open bank account with using Aadhar & PAN card.
3. You can earn interest.

Download Kotak 811 App here ⏩ Click here

7.PayZapp by HDFC Bank :-

Another best UPI app in India is PayZapp provided by HDFC bank.the best thing of this app is this give much offers & cashback to their users.this is the reason why its much popular in India.this app is protected wit two steps authentication process which makes your payment more secure & safe.here you can send or receive money,pay bills ,get recharges or many other services like book movie & travel taicktes.

PayZapp app information :-

• Download.        :- 10+ million
• Rating.               :-  3.8*(320K rewies)
• App size.           :-  13 MB

Features :-

1. Two layer authentication process which makes your payment more secure.
2. You can transfer money ,pay bills,books movie & travel tickets.
3. For money transfer you can use QR code & VPA I'd.
4. Option given for PayZapp Buiesness account for merchants.

Benefits:-

1. Get best cashbacks & exiting offres.
2. Two steps secure payment process.
3. Multiple payment option.
4. Trusted UPI app by Indians

Download PayZapp App here ⏩ Click here

So this all UPI apps is 7 Best UPI apps in India.Which UPI apps you can use for many transfer & different work you can comment me.

8. Airtel Payments Bank :-

Airtel is also lainched their upi apl called Airtel Payments Bank to make  online transaction easy & hustle free. Airtel is considered to be first Payment Bank in India. You can also sign-up as a marchant in airtel payments bank. Bank will not apply any charges when transferring money upto Rs.10000 per day. Airtel offres 7.25% to saving account holder which is really high. If you're airtel coustmer, you can access by Airtel Money App.

9. BHIM SBI PAY App :-

BHIM SBI PAY App is also known as Upi App Of SBI. Its an innovative payment app that allow any banks coustmer to send or recieve money to/from any other banks with trust of SBI. This UPI app is devloped by state bank of india & especailly developed for online money transfer from one to other accounts.

Apart from this you can also do mobile recharge, food order, bill payments etc. all works using this single upi based payment app. If youre a marchant, you can fill "I am Marchant"form  & add your deatils. Get ready to recieve money in your account.

This app is also one of the best upi apps in india with over 10+ million users & still growing.

10. Amazon Pay :-

Now Amazon introduced their upi based payment system called 'Amazon Pay' . Using Amazon Pay , you can directly transfer your money to any other bank accounts using your phone contacts or UPI id as well as you can pay money using scanning QR Code. This upi payment application luanched in 2007 gloablly & comes in India 2017.

Market Share in Percentage by Different UPI Apps In India -

Here a question in your mind which UPI app is most using ,so here a fresh Market share report of UPI apps in India.

See this one also ⏬⏬

So guys you ko about which UPI app is most using in India ,yes ts Google Pay why because one of the best,simple,secure UPI app with trust by Google.so this is the reason why its so popular.

Conclusion :-

After Demonetization in India Online payment is growing day by day.in  this modern time revolution of technology Online payment makes you more secure,More fast,more saving & much others benefits.recently here WhatsApp introduced her pay app WhatsApp Pay which is also fastest growing UPI payment app.this makes our life more easier but keep safe to use before this UPI apps & never share your  VPA ID & others importent documents or pins.

Suggested Readings :-

• Oneplus 8 pro Creasy leaks ,see full specs & design 

EDITED BY :- TECHY RITIK
IMAGE SOURCE :- BY INTERNATE