5 Best UPI Apps In India For Safe Online Payments In 2023


Digital India was launched in 2015 to make India digitally empowered in various sectors and just after one year, the NPCI launched the revolutionary Unified Payment Interface which is now prominently known as UPI. Scenarios such as Demonization and the COVID-19 pandemic further compelled people to shift to digital payment and the result of that can be easily witnessed today.

India now stands at the top of the list of countries with the most digital payments. Almost 30 million transactions take place per day through UPI in India and the number is about to touch the 1 billion mark by 2026. As more people adopt cashless transactions, the options of UPI apps in India have also widened. There are several apps that facilitate digital payments. In this article, we have shortlisted the 5 best UPI apps in India for safe online payments in 2023 that are widely popular and come with great features and robust security.

Also read: 10 Best Personal Loan Apps in India for Instant Loan in 2023

List of Top 5 UPI Apps In India For Safe Online Payments

1. Paytm

Paytm Secure UPI Payments

Paytm is one of the most popular UPI apps In India. Digital payments through this platform are widely accepted. Paytm is way more than just a UPI app. Here you can not only pay your bills and send money but can also book travel tickets, and movie tickets, shop online, order food from ONDC, check your credit scores, get a personal loan, play games and win exciting rewards and vouchers. Paytm offers several types of cashback offers, sometimes even based on occasions. You can easily manage your multiple bank accounts as well as open your Paytm bank account. The Paytm wallet is a great feature that allows you to make payments easily without a PIN like UPI lite. Overall it’s a great app with various functionalities.


  1. Access DigiLocker

  2. Supports UPI lite

  3. Paytm pay later

  4. Several cashback offers

  5. Book travel and movie tick

  6. Manage multiple bank accounts

  7. Pay bills, send money, shop online, etc.

  8. Order food and other products from the ONDC network

  9. Supports one tap pay for NFC-supported devices

Play Store Download button App Store Download button

2. Google Pay

Google Pay: Save, Pay, Manage

Google Pay is a secure and straightforward payment app by Google that is used by millions of Indian users. You can connect your bank account with your registered mobile number and embark on your cashless journey. Google Pay is well-integrated with your contacts and makes it easy to transfer money to family and friends. You get robust security with Google Pay where every transaction is secured with UPI PIN. Moreover, you can add your biometric details to lock your account. From transferring money and bill payments to buying gold and ticket booking, Google Pay provides you with several features.


  1. Check bank balance

  2. Get exciting rewards

  3. Buy, sell and earn gold

  4. Get personal loans

  5. User-friendly interface

  6. Supports all banks with BHIM UPI

  7. Recharge mobile, pay bills, and more

  8. Send money to people via UPI ID

  9. Ticket booking, online shopping, etc.

Play Store Download button App Store Download button

3. PhonePe

PhonePe: Secure Payments App

PhoenPe is a comprehensive UPI payments app founded in 2015. It facilitates cashless transactions through several mediums like UPI, wallet, and debit and credit cards. You can transfer money using a QR code, UPI, mobile number and bank. The app has a nice purple-themed UI where you can access all the major transactional categories easily. If you have multiple bank accounts linked to your registered mobile numbers then you can manage all of them from PhonePe as it supports over 140 banks across India like SBI, ICIC, AXIS, etc. Apart from basic mobile recharge, bill payments and money transfers, you can also buy different insurance policies, gold and PhonePe’s own gift cards.


  1. Recharge and bill payments

  2. Supports over 140 banks

  3. Supports offline payments

  4. Manage multiple bank accounts

  5. UPI lite for PIN-less payment

  6. Several methods to transfer money

  7. Buy PhonePe gift cards

  8. Pay on online shopping and food orders

  9. Buy insurance policies and gift cards

Play Store Download button App Store Download button

4. Amazon Pay

Amazon Pay by Amazon

Amazon Pay is a secure digital payment tool integrated with Amazon giving you two major functionalities in a single app i.e. shopping and digital payments. If you have an Amazon app and don’t want to install any other UPI app, Amazon Pay can be a great option you can go with. Out of all the UPI Apps in India, mentioned above, Amazon Pay is one that gives you better cashback and vouchers. You can add money to Amazon Wallet and use it to make recharge, bill payments, shop online, etc. Moreover, Amazon Pay allows you to book travel, hotel and movie tickets, buy insurance, check your credit score, and buy subscriptions to games, apps, OTT platforms, etc.


  1. Amazon wallet

  2. Integrated with Amazon app

  3. Shop a wide range of products

  4. Recharge and bill payments

  5. Earn cashback and vouchers

  6. Car and bike insurance

  7. Digital gold, Fixed deposits, Mutual funds, etc.

  8. Book flights, hotels, movie tickets, etc.

  9. Buy gift cards and subscriptions

Play Store Download button App Store Download button


BHIM – Making India Cashless

BHIM (Bharat Interface for Money) is another great digital payment app in India which is made by the National Payment Corporation of India, the organization that created UPI. If you want to experience a simplified and original UPI, you can go with BHIM. You can undertake several types of cashless transactions like recharge, bill payments, loan payments, money transfers, etc. The app facilities a user-friendly interface that can be personalized according to you. It supports UPI lite and also has a convenient feature called conversational payments that allows you to pay using your voice.


  1. Pay bills and send money

  2. Supports UPI Lite X

  3. Manage multiple bank accounts

  4. Conversational payments

  5. Personalized home screen

  6. Create your favourite list

  7. Send gifts to your friends and family

  8. Supports 20 different languages

  9. Mobile recharge, FASTeg, insurance, etc.

Play Store Download button App Store Download button

About The Author

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Abhishek Mahato

Exploring the realm of the internet is one of the leisure pursuits of Abhishek. He's is fond of gadgets & games, and likes to put his learnings into useful tech articles for you.