Managing money has never been easier, thanks to online payment apps. Whether it’s sending money instantly, paying bills, or shopping online, these apps are changing the way we handle daily transactions. With just a few taps, you can transfer money securely, recharge your phone, or even grab some rewards along the way.
But with so many options out there, how do you choose the best one? Don’t worry! In this blog, we’ve put together a list of the top online payment apps to help you pick the perfect one for all your financial needs.
What are Online Payment Apps?
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Online payment apps make handling your money super easy and safe. These apps let you quickly send money, pay bills, and shop online or in stores without any hassle. With features like UPI, QR code scanning, digital wallets, and card linking, payments are smooth and simple.
Popular apps like PhonePe, Google Pay, and Paytm not only keep your transactions secure but also reward you with cashback and offers. They’ve completely changed how we manage money, making it faster, safer, and more convenient for everyone.
How Do Online Payment Apps Work?
Online payment apps make sending money or paying bills super simple and secure. Here’s how they work, step by step:
- Sign Up and Link Your Account: Download the app, create an account, and link your bank account, debit/credit card, or digital wallet.
- Secure Login: The app keeps your account safe with OTPs, passwords, or biometric options like fingerprint or face ID.
- Set Up a Payment: Enter the details of who you’re paying (like a UPI ID, phone number, or by scanning a QR code), or choose a service like bill payment or recharge.
- Confirm the Payment: Approve the payment securely using your UPI PIN, password, or card details.
- Money Transfer: Once approved, the app sends the money through safe channels like UPI or card networks.
- Instant Updates: You’ll get a notification or message confirming the payment was successful.
- Transaction History: The app keeps a record of all your payments so you can track them anytime.
13 Best Online Payment Apps List
1. Paytm
Paytm is one of the most popular online payment apps in India, making your day-to-day payments simple, fast, and secure. Whether it’s sending money, paying bills, or shopping online, Paytm has you covered. Here’s why it’s a go-to app for millions:
- Easy UPI Transactions: Transfer money instantly using someone’s mobile number or UPI ID. You can also scan QR codes to pay at shops or check your bank balance anytime. With UPI Lite, you can make small payments up to ₹4000 without entering a PIN, super convenient for quick transactions.
- Pay Utility Bills in Minutes: Recharge your mobile, DTH, or FASTag and pay bills for electricity, water, gas, insurance, and more—all in one place. No more standing in long queues!
- RuPay Credit Card Integration: Add your RuPay Credit Card to Paytm and make UPI payments at stores without entering CVV or OTP. Plus, you get rewarded with cashback and points every time you use it.
- Offline and Online Payments: Whether you’re at a local shop or shopping online for food, clothes, or entertainment, Paytm lets you pay quickly and securely. You can even make contactless payments at retail stores.
With the backing of trusted banks like Axis, HDFC, SBI, and Yes Bank, Paytm ensures your payments are smooth, safe, and reliable.
App Insights
| Paytm | Android | IOS |
| Installs | 500M+ | N/A |
| Ratings | 4.5/5 | 4.7/5 |
| Reviews | 20.3M | 2.7M |
| Compatibility | 7.0 and up | 14.0 or later |
| Download link | Visit | Visit |
2. Google Pay
Google Pay is one of the best apps for online payment, making everyday transactions super easy and secure. From sending money to paying bills, it has everything you need for a hassle-free experience. Here’s why people love using Google Pay:
- Safe and Secure Payments: Google Pay ensures your money is safe with multiple layers of security from Google and its partner banks. Plus, every transaction is protected with your UPI PIN and device lock, like a fingerprint or password.
- Quick Money Transfers: Send money directly from your bank account to anyone else’s, even if they don’t use Google Pay. All you need is their mobile number or UPI ID, thanks to the BHIM UPI system.
- Effortless Bill Payments: Link your bill accounts to get reminders and pay for electricity, DTH, LPG, FASTag, broadband, and more with just a tap. No more late payments!
- Fast Mobile Recharges: Recharge your prepaid plans quickly and without any extra charges. It’s super convenient for topping up your balance.
- Scan QR Codes for Payments: Shopping at local stores? Just scan their QR code to pay instantly.
- Debit & Credit Card Support: Link your cards to Google Pay for online payments and even use the tap-to-pay feature in stores for contactless transactions.
- Easy Online Shopping: Use Google Pay to book tickets, shop online, or order food with partner apps like Zomato, MakeMyTrip, and redBus.
Google Pay works with all UPI-enabled banks in India, combining top-notch security with ultimate convenience.
App Insights
| Google Pay | Android | IOS |
| Installs | 1B+ | N/A |
| Ratings | 4.4/5 | 4.7/5 |
| Reviews | 10.5M | 1.9M |
| Compatibility | Varies with device | 15.0 or later |
| Download link | Visit | Visit |
3. PhonePe
PhonePe is your go-to app for all kinds of payments, offering a fast, secure, and super easy way to manage your money. It’s one of the best online payment apps in India, packed with features that make life simpler. Here’s what makes it so popular:
- Instant Money Transfers: Send money to anyone in seconds using BHIM UPI. You can also manage multiple bank accounts and check your balance effortlessly.
- Shop Online Hassle-Free: Whether you’re buying clothes from Flipkart, ordering food from Zomato or Swiggy, or booking travel on MakeMyTrip, PhonePe makes online payments a breeze.
- Pay at Local Stores: Forget cash! Use PhonePe’s QR scanner to pay at grocery shops, pharmacies, and other local stores.
- Quick Recharges: Need to recharge your mobile or DTH? Do it in just a few clicks for providers like Jio, Airtel, Vodafone, Tata Sky, and more.
- Easy Bill Payments: Settle your electricity, water, gas, broadband, or credit card bills directly from the app—no queues, no stress.
App Insights
| PhonePe | Android | IOS |
| Installs | 500M+ | N/A |
| Ratings | 4.2/5 | 4.7/5 |
| Reviews | 11.8M | 6.4M |
| Compatibility | 6.0 and up | 14.0 or later |
| Download link | Visit | Visit |
4. BHIM
BHIM (Bharat Interface for Money) is one of the most trusted online payment apps in India, created by the government to make digital payments easy and accessible for everyone. It’s super simple to use and works with all UPI-enabled banks. Here’s why BHIM is a great choice:
- Instant Money Transfers: Send and receive money anytime, anywhere using a UPI ID or mobile number. It’s fast and works 24/7!
- Safe and Secure: Every transaction is protected by your UPI PIN, so your money stays safe.
- Manage Your Bank Accounts: Link multiple bank accounts in one app, check your balances, and keep everything in one place.
- Pay Bills Easily: Use BHIM to pay for electricity, water, gas, broadband, and more without any hassle.
- QR Code Payments: Shopping at a local store? Just scan the QR code and pay instantly—no need for cash!
BHIM is free to use, supports multiple Indian languages, and is perfect for anyone looking to go cashless.
App Insights
| BHIM | Android | IOS |
| Installs | 100M+ | N/A |
| Ratings | 4.1/5 | 4.5/5 |
| Reviews | 1.67M | 103.9K |
| Compatibility | 6.0 and up | 17.0 or later |
| Download link | Visit | Visit |
5. Amazon Pay
Amazon Pay is one of the most reliable Indian online payment apps, making your payments quick, secure, and super easy. From shopping to recharges, it’s designed to handle everything smoothly. Here’s what makes Amazon Pay awesome:
- UPI Payments Made Simple: Pay directly from your bank account for online shopping, mobile recharges, bill payments, flight tickets, and more. It’s fast, safe, and hassle-free!
- Send Money with Ease: Transfer money to friends and family using their phone numbers. Plus, invite them to Amazon Pay UPI and earn rewards—it’s a win-win!
- Pay on Delivery: Got a cash-on-delivery order? You can load cash into your Amazon Pay wallet right at your doorstep for easy payments, faster refunds, and one-click transactions.
Amazon Pay combines convenience and security, making it a must-have for managing all your payments.
App Insights
| Amazon Pay | Android | IOS |
| Installs | 500M+ | N/A |
| Ratings | 4.0/5 | 4.6/5 |
| Reviews | 9.55M | 649.2K |
| Compatibility | 9.0 and up | 15.0 or later |
| Download link | Visit | Visit |
6. Freecharge
Freecharge is a super handy app for anyone looking for quick and easy ways to manage their payments and more. As one of the leading online payment apps in India, it makes everything from recharges to investments a breeze. Here’s what Freecharge offers:
- Smooth UPI Payments: Create a Freecharge UPI ID to send or receive money instantly. You can also scan QR codes to pay at stores and earn cashback while you’re at it!
- Hassle-Free Recharges & Bill Payments: Whether it’s your mobile, DTH, FASTag, or utility bills like electricity, gas, and broadband, Freecharge lets you pay in seconds—with exciting cashback offers as a bonus.
- Smart Investments & Credit Options: Want to invest in digital gold or pay rent with your credit card? Freecharge has got these options too, making it more than just a payment app.
- Fast LPG Booking: Book your LPG cylinder in a few clicks and enjoy exclusive offers while doing it.
App Insights
| Freecharge | Android | IOS |
| Installs | 50M+ | N/A |
| Ratings | 4.3/5 | 4.6/5 |
| Reviews | 1.41M | 247.7K |
| Compatibility | 6.0 and up | 13.0 or later |
| Download link | Visit | Visit |
7. Mobikwik
MobiKwik is a super convenient and secure payment app that makes managing your money easy and fast. Whether it’s UPI payments, bill payments, or its unique Pocket UPI feature, MobiKwik has something for everyone. Here’s what makes it stand out:
- Easy UPI Payments: Set up a secure UPI handle to send and receive money instantly. You can also link your RuPay credit card for UPI payments or scan QR codes to pay at popular stores like Reliance Fresh, Croma, and Apollo Pharmacy.
- Pocket UPI: No bank account? No problem! With Pocket UPI, MobiKwik lets you make UPI transactions directly from your wallet. Ideal for those seeking online payment apps without a bank account, it offers wallet limits up to ₹2 lakhs, daily transactions up to ₹1 lakh, and features like biometric security and budget management.
- Convenient Wallet Reloads: Load your wallet easily using UPI, debit, or credit cards and make payments without needing a PIN when using Pocket UPI.
App Insights
| Mobikwik | Android | IOS |
| Installs | 100M+ | N/A |
| Ratings | 4.4/5 | 4.6/5 |
| Reviews | 2.81M | 144.4K |
| Compatibility | 5.0 and up | 14.0 or later |
| Download link | Visit | Visit |
8. PayPal
PayPal is one of the most trusted international online payment apps, making it super easy to shop, send money, or manage business payments. Here’s why it’s a favorite worldwide:
- Safe Online Payments: Shop securely with millions of merchants without sharing your bank or card details.
- Send and Receive Money: Easily transfer money to friends, family, or businesses—whether they’re in the next city or across the globe.
- Business-Friendly Tools: Manage invoices, subscriptions, and even integrate PayPal with your e-commerce site to make payments simple for your customers.
- All-in-One Wallet: Link your bank account, credit, or debit cards to keep your funds organized in one place.
App Insights
| PayPal | Android | IOS |
| Installs | 100M+ | N/A |
| Ratings | 3.7/5 | 4.4/5 |
| Reviews | 3.32M | 16.3K |
| Compatibility | 6.0 and up | 14.0 or later |
| Download link | Visit | Visit |
9. CRED
CRED is a premium app that makes managing payments and credit cards super easy, earning its place among the top online payment apps in India. Here’s what it offers:
- Smart Credit Card Management: Pay your credit card bills on time, track your credit score, and handle all your cards from one app.
- Easy Online Payments: Shop on platforms like Swiggy and Myntra using CRED Pay via UPI or credit card.
- Hassle-Free Offline Payments: Pay at local stores quickly with QR codes or Tap to Pay for contactless transactions.
- Send Money Anywhere: Transfer money to anyone—even if they use other UPI apps like GPay or PhonePe.
- Pay Rent and Fees: Use your credit card to pay rent or education fees without any extra steps.
- Recurring Payments Made Simple: Set up UPI Auto Pay for regular bills like electricity, mobile recharges, or DTH.
App Insights
| CRED | Android | IOS |
| Installs | 50M+ | N/A |
| Ratings | 4.8/5 | 4.8/5 |
| Reviews | 2.4M | 456.9K |
| Compatibility | 6.0 and up | 14.0 or later |
| Download link | Visit | Visit |
10. Payzapp
PayZapp, by HDFC Bank, is one of the safe online payment apps in India, making payments and managing finances super simple. Whether you’re shopping, paying bills, or booking flights, PayZapp has all the tools you need. Here’s why it’s a great choice:
- Multiple Payment Options: Use UPI, debit/credit cards, or the PayZapp Prepaid Wallet to pay online and offline—it’s all in one app!
- Easy UPI Payments: Create a UPI ID linked to any bank account to transfer money, scan QR codes, and check your bank balance instantly.
- Handy Prepaid Wallet: Set up your PayZapp Wallet by completing KYC, load money via UPI or cards, and use it for in-app purchases, shopping, or sending money to a bank account.
- Swipe to Pay: Linked HDFC cards let you make secure payments with just one swipe—no need for OTPs!
- Quick Recharges & Bill Payments: Recharge your mobile, DTH, FASTag, and pay utility or credit card bills. You can even set reminders to never miss a due date.
- Shop & Earn Rewards: Book flights, hotels, or buy vouchers for over 200 brands while enjoying cashback and rewards for every spend.
App Insights
| Payzapp | Android | IOS |
| Installs | 10M+ | N/A |
| Ratings | 4.6/5 | 4.8/5 |
| Reviews | 909K | 139.4K |
| Compatibility | 8.0 and up | 17.0 or later |
| Download link | Visit | Visit |
11. JioMoney
JioMoney is one of the easiest and safest online payment apps to use, helping you go cash-free for all your payments. Whether it’s shopping, recharges, or transferring money, JioMoney has you covered. Here’s why people love it:
- Quick Digital Payments: Pay instantly at online or offline stores without any hassle.
- Easy Bill Payments & Recharges: Use the app to pay utility bills or recharge your mobile and DTH in just a few taps.
- Send Money Effortlessly: Transfer funds to other JioMoney users or even directly to a bank account—it’s super quick!
- Store Cards & Accounts: Link your credit/debit cards and bank accounts to make faster and easier payments.
- Exclusive Offers & Deals: Enjoy discounts and coupons from top brands and local stores, making your money go further.
App Insights
| JioMoney | Android | IOS |
| Installs | 500M+ | N/A |
| Ratings | 4.4/5 | 4.6/5 |
| Reviews | 26.2M | 1.1M |
| Compatibility | 6.0 and up | 13.4 or later |
| Download link | Visit | Visit |
12. Airtel Money
Airtel Money, offered by Airtel Payments Bank, is a super easy and secure way to handle your payments right from your phone. Whether it’s recharges, bill payments, or money transfers, Airtel Money has you covered. Here’s what makes it great:
- Quick Mobile Recharges & Bill Payments: Recharge your prepaid mobile, pay postpaid bills, or settle utility bills like electricity, water, and fuel—all in a few taps.
- Fast Money Transfers: Send money instantly to other Airtel Money users or directly to any bank account. It’s quick, easy, and secure!
- Online & Offline Payments: Pay at your favorite stores or online platforms by simply scanning a QR code or using the Airtel Thanks App.
App Insights
| Airtel Money | Android | IOS |
| Installs | 100M+ | N/A |
| Ratings | 4.3/5 | 4.2/5 |
| Reviews | 7.51M | 650.9K |
| Compatibility | 6.0 and up | 12.2 or later |
| Download link | Visit | Visit |
13. OmniCard
OmniCard is one of the most innovative RBI approved online payment apps, offering a safe and super easy way to manage your money without needing a bank account. Perfect for students, Gen Z, and millennials, it brings all your payment options into one app. Here’s what makes OmniCard awesome:
- All-in-One Payments: Use UPI, cards, keychains, transit passes, or even cash—all from one app.
- No Bank Account Required: Make UPI payments without linking to a bank account.
- Secure Transactions: Pay by swiping, tapping, or scanning QR codes, shop online, or withdraw cash from ATMs safely.
- No Hidden Fees: Enjoy zero minimum balance requirements and no extra charges.
- Quick Setup: Get started in minutes with simple KYC and UPI ID creation.
- Versatile for Everyday Use: Recharge, shop, transfer money, or pay bills easily.
App Insights
| OmniCard | Android | IOS |
| Installs | 1M+ | N/A |
| Ratings | 4.5/5 | 4.0/5 |
| Reviews | 16.1K | 952 |
| Compatibility | 6.0 and up | 13.0 or later |
| Download link | Visit | Visit |
Conclusion
To wrap it up, online payment apps have become an indispensable part of our daily lives, offering convenience, security, and versatility. Whether you need to pay bills, shop online, or send money instantly, these apps provide a seamless solution. The right app for you depends on your preferences and requirements—whether it’s cashback offers, ease of use, or advanced features like UPI and wallet services. Explore the options, choose wisely, and enjoy the simplicity these apps bring to managing your finances.
FAQs
Which UPI app is better?
PhonePe and Google Pay are top UPI apps in India, offering secure money transfers, bill payments, and easy-to-use interfaces for seamless transactions.
What is the best online payment app?
The best online payment app depends on your needs, but Paytm stands out for its versatility, offering UPI, bill payments, and cashback rewards.
Which app is safe for online payment?
Google Pay is one of the safest online payment apps, backed by advanced encryption, fraud detection, and Google’s robust security infrastructure.
Which online pay app is best?
PhonePe offers an all-in-one solution, while Google Pay excels in simplicity and security, and Paytm is ideal for cashback and digital wallet services.
Which online payment app is best for cashback?
Paytm and PhonePe offer cashback on transactions, with Paytm focusing on utility payments and PhonePe rewarding users through scratch cards.
