Top 7 Best UPI/Payment apps for Secured transactions in 2021

UPI payments are much easier to transfer money nowadays. If you are looking for one of those best payment apps, we’ve got you. The UPI & Payment transaction platforms have evolved drastically.

The transactions are more secured now. You can get to know each & every detail of your online transactions. Moreover, people prefer UPI over other modes of transfer as these are fast & secured too.

All you need to have is Mobile banking enabled in your Bank account. Once you have the same number on your mobile, you can use these apps.

Download free payment apps for UPI transactions in India

Many of these apps also have their specific wallet. You can also earn cashback for every transaction in the wallets or direct transfer.


Phonepe app icon

PhonePe is one of the most popular UPI payment apps in India. It has various features that you can use for daily requirements. It is a very trustable platform for UPI payments.

You can link your bank account & complete transactions flawlessly. With this app, you can also do recharges, pay bills, pay insurance, etc. You even get rewards/coupons when you do transactions.

The app has got comfortable & straightforward UI. They also have a PhonePe wallet where you can add money & use it instead from the bank.

Google Pay

Google Pay app icon

Google Pay is another top-rated application for UPI transactions. When it comes to trustability, Google is always there in the top brands. Before its revamp, we used to call this app Google Tez.

You get the same amount of features as any other UPI apps. It allows doing recharges, paying bills & much more. The user interface is as good & comfortable as any other Google app.

You get scratch coupons every time you do transactions through its offer. Google Pay has also started adding Cards as payment methods (via NFC, specific banks for now).

Amazon Pay

Amazon app icon

Amazon Pay is also a great option when it comes to secure transactions. You don’t need to complete KYC for UPI payments. But if you want to use the Amazon Pay wallet, you will require to complete KYC.

You do not need to install any individual application for the same. Amazon Pay is available directly through your Amazon app. You can pay bills, recharges, scan QR, book tickets & much more. 

If you activate your Amazon Pay wallet, you will get cashback from the orders. You can even pay on delivery for your orders with Amazon Pay. There are various offers that you might like from Amazon Pay.


Paytm app icon

Paytm is also an excellent platform for doing transactions. Earlier, people used to have only a few payment options; Paytm was one of them. Now that UPI is mainstream, they have it too.

You can do recharges, book flights, pay insurance, bills & much more on Paytm. It also has its own Paytm Payments Bank within the app. You get a lot of payment options in this app.

Not only this, you can even shop in this app. You don’t need to have KYC for UPI payments. All you got to do is link your bank account & create a UPI id.

Bhim UPI

BHIM upi app icon

BHIM is the UPI platform for payments by the NPCI. You can perform various tasks in this application. The user interface of this app is simple & easy to use.

It allows you to pay bills, do recharge & much more on the app. You can create your UPI ids & manage pins through this app. It also has a QR scanner for nearby shops.

You can even accept mandates through this app(related to IPOs). You can also see various offers on this app. This way, you don’t need to install any 3rd party app for processing UPI payments.


Whatsapp icon

WhatsApp also has a payment platform now available in India. You can set up UPI payments directly on your WhatsApp. It becomes easier for you to handle payments now.

You can link your Bank accounts to your WhatsApp number. Then you can receive or send payments without hassle. We all have used WhatsApp; it’s pretty simple, right.

For successful transactions, the other person should also have set up UPI. Although, you cannot do much except the simple transactions on WhatsApp.


Mobikwik app icon

Mobikwik is also an excellent application for payments. Like other apps, it also has various features. You can do recharges, pay bills & much more. The User Interface is smooth & easy as well.

Many offers are running most of the time on this app. You can even add money to Mobikwik’s wallet. There are a lot of other things apart from payments that you can do on this app.

You can even use their web platforms for many things linked to your account. You will find better deals on everything through this app. The app is safer & trustable to use as well.

Let’s Wrap

That was all about the UPI payment apps that you can try. If you have any suggestions for this list, let us know. Also, comment below about your experience with these apps.

Please share this with your friends & help them with safe payments. That said, follow us on social media platforms to get the latest updates.

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