The payment apps have changed the way we recharge our mobile and pay the bills. Moreover, now it has become a cakewalk to send money. You have many options for the payment apps. But which one is the best in 2019. You must be seeking a mobile wallet or payment app which have all the useful functions but simple.
In this post, I have picked the best 5 payment apps for you. You would agree that No app can be best payment app without the feature of UPI. All these Apps have the UPI Payment facility.
I have ranked the best 5 UPI Apps on the basis of the following features.
- Ease of Sending Money
- Bill Payment and Mobile Recharge Feature
- Clean Interface
- Fast Response
- Payment Issues and Helpline

In this post, I have told you the 3 best features of each Payment app. Read on about these apps and Don’t forget to share your ranking of the best Payment Apps.
#1. Phonepe
Today Phonepe is one of the leading payment apps. It uses the UPI Payment system for sending money and making payments for various services. It gives you the facility of the wallet as well. You can keep money in the Phonepe Wallet for faster transactions.
The Phonepe is the subsidiary of Flipkart. That is why you can see this payment option in the Flipkart App. Now Phonepe and Flipkart Both are owned by Walmart. It has the following 3 outstanding features.
Quickest Fund Transfer
The Phonepe App does not require a PIN or password for opening the app. So you can directly reach to the dashboard. In the dashboard, the most prominent feature is the ‘Money transfer’. From the dashboard itself, you can choose the type of recipient.
You have a separate icon just to send money to your another account. This would be very useful who have more than one account. Even, You can check the bank balance from there.
In fact, the Phonepe has fewer steps for sending money. That is why money transfer through the Phonepe is fastest.

Easier Repeat Payments
The Phonepe has focussed on the repeat payments. You would readily find the recent recipients while transferring the fund. Similarly, you can repeat a mobile recharge by going to the History page. You would also see the recent biller for the bill payment. Because of this feature most of the times you are not required to browse the recipient.
Effective Grievance Redressal
Phonepe has a very effective feature to solve your problems. It has incorporated the grievance along with the payments. You can very easily, raise a complaint or dispute. Often, you would find your answers immediately. The reversal of failed transactions is also very quick. The users of this app complain the least.
Learn More– How To Lodge Complaints To Phonepe Customer Care
#2. Paytm App
It is one of the most popular payment apps. In fact, Paytm has introduced the payment app to India. Gradually the Paytm has added many services. However, so many services have also crowded its screen. Still, It has the highest number of features. Along with the fund transfer, mobile recharge and bill payment, you can also invest and book movie tickets through it.
Widely Accepted For Payments
You can see the Paytm QR code in most of the shops. All these merchants accept payment through the Paytm. Hence, Sometimes it becomes necessary to keep Paytm App as shopkeeper are not even aware of other payment apps. As of now, Shopkeepers can get back money to their account without charges. This also helps in the acceptability.

Various Services
The Paytm has started as wallet mobile recharge platform. But today, it has hundreds of services. Among all the payment apps, the Paytm has the most number of services. From school Fees to toll charges, You can pay for everything through the Paytm. It also gives facility of mutual fund and gold investment. You can also play games through the Paytm.

Wallet and Payment Bank
The Paytm has the seamless service of the mobile wallet and savings account. you can open a saving account in the Paytm Bank. Keeping money in this account would also give you interest.
The Paytm Wallet is also useful, as you can use it for small value transaction. Often we don’t want to crowd of bank statement with the small transactions hence, spending through the wallet is handy.
The Paytm also gives you the feature of Paytm Postpaid which works like a credit card. It can be as useful as the credit card.
#3. Mobikwik
The Mobikwik is also one of the pioneers of the payment apps in India. This app has its own dedicated fan following. The Mobikwik has not many services like the Paytm but it has all the useful features. You can make fund transfer, recharge mobile, pay the bill and invest as well.
Cleanest Interface
The Mobikwik has the eye-catching and cleanest interface. You would enjoy the transaction through it. In the dashboard, you would only see the icons which are most used. It shows the Wallet balance upfront. Adding money to the Wallet is also one step process.

Auto Recharge
The repeat mobile recharges are very easy through the Mobikwik. You can set Auto Recharge for similar recharges in the future. This is very useful and reduces the hassle of mobile recharge. This feature is also available for bill payments. You can, also, set a reminder for future payments.
Expense Manager
This feature of Mobikwik keeps track of all of your cashless expenses. It does not matter whether you have used Mobikwik or other apps. In fact, Mobikwik read your SMSes to track your expenses. As, today, you get the SMS for each of the cashless transactions. The Expense Manager would have the record of Expenses for previous months as well.
#4. Google Pay
Google Pay has rapidly grown in India. Basically, it is a UPI App and does not give the facility of wallet. However, you can use this app to make payments, Recharges, bill payment and online transactions. Google Pay gives generous rewards for using it. That is why this app is very popular.
Most Secure
Google Pay is most secure among Payment apps. The PIN is required to open the app. Moreover, it has a patented security feature which recognizes the unauthorized transaction.
Tez Mode
This is a unique feature of Google Pay. Using Tez Mode you can send money to the nearby people without knowing any detail. This feature works just like the Shareit where you can see the nearby recipients on your screen.

Chat Before Payment
This is also a special feature of Google Pay. It gives you the facility to chat with the recipient before making the actual payment. This feature is particularly useful for the first time payment to a person. Using this feature, you can also send an invoice before requesting the payment. The other party can also make an enquiry if required.
Recommended- Google Pay Customer Care Contact Number
#5. BHIM SBI Pay
This is a UPI App by the State Bank of India. The SBI Has primarily developed this app for the UPI fund transfer. Later It has added the mobile recharge and bill payment service. Today there are few other services as well.

Easiest Way to Balance Check
If you frequently use the UPI App to check your bank balance and make payments, This should be your preferred payment app. You would find a very convenient way to check the bank balance of your accounts. It gives on tap balance check facility from the dashboard.
Simple and Clean Interface
As I have said the SBI Pay App has limited features, It looks very clean. The App has great readability. This app is very good for banking. However, you may miss several new age features. Still, you can keep this app along with the Phonepe/ Paytm.
Secure App
The BHIM SBI Pay is a safer app as it requires 6 digit PIN for using it. This PIN and UPI both makes it safer than the Paytm, Phonepe and Mobikwik. The people have, also, greater trust over the SBI products.
In this post, I have ranked the 5 best payment apps in India. You have also learned about the special features of these apps. I hope This article would help you to adopt digital transactions.
I m not able in transaction due to Google pay is not supported so kindly check these technical issues and clear this on priority
Phone pay
Bhim
Tez
Paytm
Hdfc
1)paytm UPI
2)phonepe UPI
3)bhim UPI
4)axis UPI
5)icici pockets UPI
6)GOOGLE PAY WILL NOT BE ADDED OR MENTIONED BECOZ OF PENDING TRANSACTIONS FOR MORE THAN 2_3 DAYS ITS NOT WORTH IT, FEARTURES AND SERVICES ARE AWESOME BUT LACK IN TRANSACTIONS AND APP IS QUITE SLOW AND I FACED LOTS OF PROBLEM REGARDING THIS APP
HONOURABLE MENTIONS
1)SBI UPI
2)AIRTEL UPI (QUITE FAST)
3)HDFC UPI
4)KOTAK UPI
5)GOOGLE PAY(TEZ)
well… nice job..but I wish to know which one of these give the best cash back offer?
Please post the official website of BHIM app which is https://bhimupi.org.in/
Your website is really good. But bhimupi website also has easy to understand graphics on installing and using the app.
Also it has links to download iOS and Android versions of the app.
Many people are confused by fake BHIM apps on playstore. Please write an article on that.
Please consider posting YouTube videos as your website info is really good.
For Best Transaction Money Platform….
1 Tez
2 Bhim UPI
3 Pay Phone
4 Paytm
5 Chiller
6 ICICI Pocket
A edit has to be done here….Phone pe has IFSC and account number option too….
Thanks Rishikesh Mishra
You have surprisingly omitted BHIM UPI App. It is one of the most secure and minimal UPI app in my opinion.
Regards.
Thank you Priyanshu
Thanks Vidyasagar reddy
Good knowledge about UPI
nice post
1.PhonePe
2.Tez
3.PayTm
4.Chillar
5.Icici Pocket
Nice information