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5 Best UPI apps for instant payments in India

5 Best UPI apps for instant payments in India

Want online payments that come directly into your bank account within seconds? UPI is your hero !! Unified Payments Interface (UPI) is an immediate real-time payment system. Which helps in instant transfer of funds between two bank accounts. Since this payment platform had evolved a lot in the last couple of years, there are a lot of companies who are competing against each other to bring better services to their customers. I have personally tried many of their services and came up with a bunch of apps that shine best in this field.

UPI apps have changed the way of making payments. Though slowly but they are replacing all other payment options including cash. So in this article, I have included the top 5 best UPI apps. I have personally used and tested all these apps to make the list worthwhile.

1. PhonePe

PhonePe is a revolutionary way to make mobile payments in India. From UPI payments to recharges, money transfers to online bill payments, you can do it all on PhonePe. PhonePe is way better than Internet Banking and offers you the safest and fastest online payment experience in India.


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Key Features:

  • Pay for utilities such as electricity and gas bills.
  • Get refunds and cashbacks to your bank account in an instant.
  • Send and request money from your contacts anytime, anywhere.
  • Shop on Flipkart, Myntra, Jabong, and other online shopping websites.
  • Pay postpaid Landline, Datacard and Mobile Bills for all major operators.
  • Recharge prepaid Mobile for most major operators/Datacard/DTH connections across the country.

2. Google Pay

Google Pay works with your existing bank account, which means your money is safe with your bank. There’s no need to worry about reloading wallets and you don’t need to do additional KYC. Before using this app you must have a bank account with a phone number linked to it. Google Pay works with all banks in India that support BHIM UPI.

Google Pay


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Key Features:

  • Multiple layers of security from your bank, UPI, and Google.
  • Pay and receive money straight from your bank account.
  •  Pay anyone. Even those without Google Pay.
  • Transfer money to anyone nearby.
  • Get rewarded.


Bharat Interface for Money (BHIM) is an initiative to enable fast, secure, reliable cashless payments through your mobile phone. BHIM is interoperable with other Unified Payment Interface (UPI) applications, & bank accounts for quick money transfers online. BHIM is developed by the National Payment Corporation of India (NPCI) as a part of the Digital India initiative. BHIM is made in India and dedicated to the service of the nation.

Bharat Interface for Money (BHIM)

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Key Features:

  • Pay to friends & relatives using their mobile number. (Provided they are on BHIM/UPI).
  • Shop online and checkout using “Pay by UPI/BHIM” for a quick and seamless experience.
  • Pay to any user using any UPI application.
  • Request money from any UPI user.
  • Split bill among friends and family.
  • Access all bank accounts in one app.
  • Scan a QR and pay on the fly.
  • Set Payment Reminders.
  • Get rewarded.

4. Chillr

Chillr is the one stop solution for all your payment & mobile banking needs. A multi-bank payment service which works with 52 Banks (including HDFC Bank, Axis Bank, ICICI Bank, SBI etc.). Access your money digitally without transferring it to a third party wallet/app. Chillr is a multi-bank app that gives you the power to send and receive money, request payments, recharge your mobile and pay a variety of utility bills.


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Key Features:

  • Scan QR code to pay instantly at stores and websites.
  • Utility Bill Payments and Recharges.
  • View Bank Account Balance.
  • Multiple language support.
  • Transaction Statements.

5. WhatsApp Payments (Coming soon)

Payments on WhatsApp are not out officially but more than a million users in India already have access to its Beta version. WhatsApp payments are also powered by UPI and it is the easiest way to make a transaction online.



Key Features:

  • Send and receive money
  • View your transaction history
  • Pay with QR code
  • Add multiple bank accounts

These best UPI apps can help you to contribute to the government’s Digital India campaign. All these UPI apps are great in terms of features and security. You can choose one that suits your needs most. Go and enjoy cashless India and roam around without having to lose your wallet ever again.

Which UPI app are you using ?

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Sunil Pradhan

Developer, Explorer, Learner. My hunger and curiosity drive me forward in directions I want to go.

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Sunil Pradhan

Developer, Explorer, Learner. My hunger and curiosity drive me forward in directions I want to go.