payment apps

8 Most Secure Payment Apps Used In India

Gone are those times when we had to dig through our wallets to find cash or the right card to swipe and make payment apps.

With mobile being the primary source from which users access the internet, payments have become a cinch. Smartphones are gradually shifting from a nice-to-have phase to a necessity today.

According to the data released by the National Payments Corporation of India, there is a noticeable massive surge in the usage of Digital Payments as users fear contracting the Covid-19 virus through currency notes. Thanks to the collapse in the price of data, resulting in a remarkable change in the increasing number of smartphone users.

Having said that, everyone today has a smartphone and can easily download the payment apps. The digital payment apps come as a savior amidst the pandemic, as most people are wary of using currency notes, fearing it to be contaminated. With a little knowledge and the right apps, you can make your payment in a few seconds. 

Finding the right app sounds like more work, right!


Fret Not, I have you covered.


After a thorough analysis of most of the payment apps based on the play store ratings and reviews, I have figured eight popular digital payment apps to help you transact reliably.




Play Store rating: 4.4

Price: Free

PhonePe is a widely used digital wallet app in India and has quickly gained a name among users of all ages. The app proudly brags 100 million users to date and can be used for phone recharges, safe & instant money transfer, UPI payments, and all possible bill payments. The simplicity and straightforward usage it offers, has made it a success in India.



Google Pay

Play Store rating: 4.3

Price: Free

Google Pay is apparently the most common digital payment found on almost all our phones. With 100 million-plus users, it offers you safe and secure money transactions instantly, almost in a snap. The app keeps track of all your bank accounts and saves you from loading wallets and verifying your KYC. Paying bills, ordering food, sending money to friends or family, and even fee payment in educational institutes is a doodle with Gpay.




Play Store rating: 4.4

Price: Free

The Noida arose the Paytm app, with over 300 million downloads, is the most familiar and extensively used UPI app among the Millennials. It entered the field as a recharge platform and deliberately developed a reliable Digital wallet. The app lets you transfer your money into a digital wallet that can be later used to make any kind of payment online. Paying electricity bills is no more a nightmare. It lets you transfer cash instantly, receive money, and much more.



Amazon Pay

Play Store rating: 4.2

Price: Free

Another familiar digital wallet app in India is owned by the giant player Amazon. The app was launched in 2007, and it quickly wrapped a massive user base. Amazon UPI ID does not limit us from only shopping on but also making payments like recharges, paying utility bills, and book movies and can be used in external merchant websites. Furthermore, the app comes with quick and easy in-app support options.




Play Store rating: 4.6

Price: Free

This mobile payment service was launched by Samsung to transact money by adding the credit and debit card details of participating issuers or banks on your Samsung Galaxy smartphones, allowing you to make purchases anywhere. Additionally, it also supports Paytm wallet and bank transfers through the Unified Payment Interface (UPI). To make contactless mobile payments, it uses the Magnetic Secure Transmission and Near Field Communication. All of it in just a few taps.




Play Store rating: 4.1

Price: Free

Freecharge is always a popular name when talking about digital payments in India. Features include paying bills, paying insurance premiums, transfer money through UPI. You can also create a BHIM UPI ID and simultaneously link bank account for quick money transfers. Not to mention, the app also lets you invest in Mutual Funds, Express FD, buy digital gold online, and get loans too in few taps away. The app stores other information, such as gift cards, Debit Card EMI, Digital Gold, Credit Card & many more.




Play Store rating: 4.3

Price: Free

BHIM (Bharat Interface for Money) is a UPI enabled initiative by the National Payments Corporation of India. It is arguably the best digital wallets in India based on UPI. Their motto, “Making India Cashless,” says it all. The Indian Prime Minister Narendra Modi launched the BHIM digital app on the 30th of December 2016, for all the android users. Since then, BHIM has been a huge contributor in making India a cashless economy. With BHIM, the users can transact without worrying about the security issues, as your login expires after every 90 seconds of inactivity to minimalize the fraudulent use of your data.




Play Store rating: 4.3

Price: Free

Mobikwik is a notably popular digital wallet app in online retail stores. You can fill the wallet using your debit card, credit card, and net banking to pay your bills, do recharges, book movies, hotel bookings, and do online shopping. Additionally, it has a unique feature known as an expense tracker that lets you manage and track your budget. Its easy-to-use user interface is the major reason for its popularity in India.



Which is your favorite among these mobile wallets? Have I missed out on something important? If so, let me know in the ‘Comments’ section below.


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