There has been a monumental surge in online payment solutions in India over the last few years. With the government pushing for a more cashless economy and the quick adoption of smartphones, digital payments are becoming so integrated that life has become much easier and safer, from small-scale retail transactions to large business payments. With so many options, choosing the right app is a difficult task. Here are the top 10 rated online payment apps in India in 2024 from the Play Store.
1. Google Pay
Rating on Play Store: 4.4
Google Pay is fast gaining preference for making digital payments in India. Now, users can send money, pay bills, recharge, and pay with Google Pay app. The app functions on the Unified Payments Interface, allowing you to transfer the amount directly from your bank without having to save it to a particular mode of payment.
Key Features:
- Safe and secure UPI transaction
- Multiple payment options: bank transfer, bill, online purchase
- Reward, cash back, and offer for frequent users
2. PhonePe
Play Store Rating: 4.1
At the moment, PhonePe is the most well-known digital transfer mode in India. It unites UPI and digital purses with various other facilities, such as other online bill payments, investments, and insurance.
This is one of the most lenient digital transfer modes for online shopping, online services, and many more things.
Key Features:
- Instant UPI transfer
- Supports Mutual Fund Invest, Gold Investment, and Investment in Insurance.
- Offering for cashback and rewards against transfer
3. Paytm
Play Store Rating: 4.5
Paytm is an all-in-one app that was initially launched as a mobile recharge and wallet service. In recent years, the platform has extended its services to include UPI payments, bill payments, financial products, and even e-commerce. When it comes to Paytm, one can even book movie tickets, flights, and much more.
Key Features:
- It allows UPI, wallets, and bill payment services.
- It provides services that cater to several domains, like investment, shopping, and travel bookings.
- Guaranteed secured transactions with a vast number of offers.
4. BHIM (Bharat Interface for Money)
Play Store Rating: 4.1
The app was developed by the National Payments Corporation of India to enable UPI-based payment from its users. The app is very simple and user-friendly, and it can even be accessed by users who are not comfortable with online transactions. Thus, it allows users to transact money from one bank account to another hassle-free by using UPI or Unified Payments Interface.
Key Features:
- Easy to use and user-friendly user interface
- Supports payments and money transfer through UPI
- Has direct access to bank accounts
5. Amazon Pay
Play Store Rating: 4.0
Amazon Pay is a digital wallet and UPI-based payment platform from Amazon that integrates within its shopping application. But it goes beyond Amazon’s marketplace, enabling a wide range of online transactions, from paying bills and mobile recharges to shopping.
Key Highlights:
- Fast and Easy Payments within Amazon Services
- UPI Payments and Bill Payments
- Rewards and Cashback on Purchases
6. Groww
Play Store Rating: 4.4
Groww is one of the best bill payment app in the country. With a lot under its sleeve, as it is a pioneer in mutual funds apps, Groww pay gives access to UPI payments to bills, recharge payments and a variety of financial services in one place, making this very suitable, especially for people who want to go digital in their money management. Users avail personal loans based on their transaction history through Groww pay.
Key Features:
- Make UPI, wallet, and bill payments
- Option of availing an instant loan
- Cashback and discounts on happy payments
7. Yono by SBI
Play Store Rating: 4.3
A multi-functional app by SBI, the biggest public sector bank in India. Yono offers UPI payments, along with a digital wallet, account balance inquiries, applications for loans, or investment management.
Key Features:
- Comes with seamless integration with SBI bank accounts
- Offers UPI payments and bill payments
- Banking and finance services
8. Freecharge
Play Store Rating: 4.3
Freecharge was born as a mobile recharge app and later blossomed with payment, UPI services, and financial products like insurance and credit card bill payments. Here is a simple, effective app for anyone looking to make quick day-to-day payments and recharges.
Key Points:
- UPI, bill payments, and recharge
- Cashback offers and discounts
- Financial service, including insurance
9. Airtel Thanks
Play Store Rating: 4.3
Airtel Thanks is a multi-service app by India’s leading telecom provider. Through its partnerships with banks, the app offers UPI payments, recharges, bill payments, and digital banking services like savings accounts and loans.
Key Features:
- UPI, recharges, and bill payments
- Access to financial services, including digital banking
- Cashback and loyalty for Airtel customers
10. JioPay
Play Store Rating: 4.4
JioPay is an app totally based on UPI. Having found its way into the Jio ecosystem, it will make managing and handling digital payments a thousand times easier for Jio users.
Key Highlights
- UPI payments and bill payments
- Integrated into Jio services for seamless, transparent transactions
- Cashback and offers for Jio users
Conclusion
With quite a few apps available for digital payment, making payments, paying bills, or transferring some extra money has become easier than before in India. Every app has its strength, so it largely depends on your reason, whether for a quick UPI transfer, digital wallet, or complete financial services. Just check the right app that fits your style and your requirements.
