Best UPI app in India 2024 For Safe Online Payments

Share with you the High Secure Best UPI app in India 2024, we provide UPI Apps Indian Most Popular and Trusted UPI Apps, and also these UPI Apps are I personally use.

Today I share with you the TOP High Secure Best UPI app in India 2024.

Now the whole of India is going digital. UPI plays a significant role in the digital world. UPI full from the Unified Payment Interface It is a payment system developed by the NPCI (National Payments Corporation of India) in December 2016 during demonetization time. UPI helps make India cashless.

UPI is an instant, real-time payment system. In this system, you send money from one bank account to another bank account without any account number or IFSC code. It helps with instantly transferring money.

After lunch NPCI ‘s UPI payment system, all banks create her own UPI system. Not only banks but also many more companies, but everyone follows RBI rules.

Every bank provides its own UPI app for Android, Windows, and iOS mobile platforms. Such as the Yono SBI app, the Axis Bank app, and more. But what is best for you?

In this article, we provide the best UPI app in India. You need to choose the right UPI app because this UPI system has almost all control over your bank account. So choose the right UPI system; otherwise, you will lose your money because, in the online world, you will see lots of fake UPI apps available. But don’t worry. We provide the UPI payment app you can decently use without any tension because we provide you with the best and most trusted app.

With UPI payments, sometimes you see money held or pending (meaning your bank account debited an amount but not delivered it to another account). But we provide apps, not issues of this type. In case you see these types of problems, don’t worry; this app will refund your money within 24 hours with this UPI system and provide very good customer support.

What is UPI?

UPI (Unified Payment Interface) developed by NPIC. It’s work real-time basis work on mobile. It’s instantly sending funds between two bank accounts, but you need VPA(Virtual Payment Address) .this VPA I’d you create by BHIM app or any bank app. UPI through sending & Receiving money quick way, so it helps to Cashless India. UPI payment plays a significant role in India to make digital. So India’s digital system grow by day and night.

How UPI Payments Works :-

The UPI payment system works in many different ways.

VPA payment is a very popular method. In this way, you require a VPA ID. VPA I’d provide by the BHIM app or any bank app In this method, you share your VPA ID, so another Parsons can make your VPA ID payment. You also paid another Parsons VPA I’d put in my MPIN code. This way to you shopping with Amazon’s, Flipkart and payment other platforms.

2.Mobile Number:-
Mobile numbers are a very well-known method. You sent and received money through your mobile number. But you need first to register a mobile number on the bank account, or if you have already linked a mobile number, you can send and receive a mobile number through money registration—a first-time configuration of MMID (Mobile Money Identifier). Don’t worry; this is a very easy process. We provide app installation and registration, then already provide MMID (Mobile Money Identifier) in a way.

3.QR Code:- 
QR code (Quick Response Code) is very popular, and everyone knows about it. One of the easiest and best methods of payment is through UPI. In this way, you can scan a QR code, give money, and give a QR code to receive the money. In this way, you don’t require a password, number, or IFSC code; you don’t need them. This way, we only needed a QR code.

4.Aadhar Number :
Guidelines of govt of India everyone needs to bank account link their aadhar card. So you send or receive money through your Aadhar card number. You must have linked your Aadhar card with a bank account.

5. Sharing Your Account Information:-
One of the old and common methods to receive or send money is by sharing your account information, such as your account number or IFSC code.

Advantages of UPI Payments:-

  1. UPI is a very easy and fast method to transfer money to another bank account.
  2.  Payment through UPI very fast and 24*7 hrs without any changes.
  3. There is no need for any bank account number, IFSC code, or more. Only need a VPA ID.
  4. You can choose your unique, creative UPI ID.
  5. You also have UPI payment recharges and much more.
  6. UPI is a very secure payment method because it doesn’t require any card numbers or CVVs. You have only VPA.

Disadvantages of UPI Payments:-

  1. UPI daily transfer limits are up to Rs. 1 lakh in every transaction. Every bank has a daily limit, not one lakh; it depends on bank to bank. But mostly, banks have a daily limit of 1-2 lakhs.
  2. It’s all UPI without an internet connection. Nothing works. But I think almost every person in India is available on the internet because of Jio.

Tips to Safe & Secure Use of UPI :-

  1. Never share your UPI or VPA I’d any annon person.
  2. Never install any UPI app which is not secure and treated. We provide treated and best UPI app you must-have install.
  3. Don’t approve any request on UPI.

List of Top Best UPI Apps in India

AppsReview & Rating
1PhonePe4.4/5 with 61,08,014 reviews
2Google Pay4.0/5 with 59,93,868 reviews
3Paytm4.4/5 with 8,314,705 reviews
4Amazon Pay4.4/5 with 78,46,966
5BHIM4.2/5 with 834,443 reviews



PhonePe is the most popular and top UPI app in India. Its work includes digital wallets and e-commerce payment systems. Flipkart is the parent company of Phonepe.

This app was acquired by Flipkart, and it provides the payment system UPI powered by BHIM UPI, Icici Bank, and Yes Bank. (You can use every bank.)

PhonePe was founded in December 2015. It provides the fastest money transfer and payment. So it makes your life easier day by day.

Phonepe provides services such as payment systems, digital wallets, mobile payments, and online shopping. You can send and receive money through PhonePe to recharge DTH mobiles, buy data cards, make utility payments, buy gold, and much more. All payments are made through UPI, and phonepe has the owner’s phonepe wallet, so it’s a very fast money transfer.

Good news for you: Phonepe provides lots of offers and cashback, so you save more money using Phonepe.


  • Easy and fast payment
  • All in one app (UPI, money transfer, recharge bill payment and more)
  • Secure and safe
  • Easy to use
  • Multi-Language available


  • A delay in payment means sometimes payments are processing or pending. Every problem is solved within 5–10 minutes, but sometimes it takes 1-2 days. But don’t worry, Phonepe provides support very well, so enjoy Phonepe.


Useful feature

  • Receive and Send Money
  • Easy to Bank Account Balance Check
  • Digital Wallet
  • QR code Payments

Click Here to Download PhonePe


2. Google Pay (Google Tez)

google pay

Google provides UPI payment apps through Google Pay. Everyone knows about Google Tez, but recently this app changed its name from Google Tez to Google Pay. This is the most used UPI app in India. It provides a very fast and easy way to send or receive payments.

Google Pay has tied up with four banks (ICICI Bank, State Bank of India, Axis Bank, and HDFC Bank) in India to provide you with a VPA service. You also use every bank. Google Pay’s UI is very common and easy to use, so everyone can use it.

Google Pay doesn’t provide any digital wallets, so you can send and receive money directly through banks. It’s good for you. also provides recharges, bill payment, and more.


  • First UPI app provides NFC technology.
  • Highly secure UPI app.
  • Chat before money transfer
  • Power by Google


  • At times, payments are pending, but every problem is solved within 5 minutes. My personal experience


Useful feature

  • Many Cashback Rewards
  • Payment of bills, Rechange and More
  • Receive and Send Money
  • Scanning QR codes

Download click this button, and you must be put Referral code d3gf8r. So you get Rs 51 cashback on the first transaction.

Click Here to Download GooglePay


3. Paytm

Paytm of most popular, highest download and one of the India biggest digital wallet. It provides an excellent UI and is easy to use. Whatever you want, you can find it on Paytm because Paytm provides everything, such as mobile recharge, bill payment, ticket booking, the UPI system, and much more. One place, you see everything. From the start, Paytm provided the only mobile wallet, and day by day, it added more and more features.

Useful feature

  • Cashback Rewards and Discounts
  • Receive and Send Money
  • Payments, Mobile Recharge, DTH, Electricity Bills, Insurance, travel, and more
  • Stocks And Mutual fund investments
  • All Payment Services
  • Tickers Movies, Flight, Bus, Train, Car Bikes

Get Upto Rs.50-100 Cashback when Complete 1st Payment. (Use this Link. Just Click here)

Click Here to Download Paytm

4.Amazon Pay

Amazon Pay is now the fourth biggest UPI app in India, useing by people. And it comes from Amazon, so don’t worry about safety. It’s totally fine. Moreover, Amazon Pay provides lots of Cashbacks, so you can save some money.

Amazon doesn’t provide you with a dedicated Amazon Pay UPI app like other apps, which has some advantages and disadvantages. The disadvantage is that they don’t have a dedicated app for payments, but the advantage is shopping time. Amazon Pay gives you lots of discounts and cashbacks. And you also make mobile recharges, ticket bookings, and insurance. All types of bill payments, like electronic, DTH, and many more. It’s one type of digital wallet. One of the biggest advantages of using this UPI is that Amazon Pay provides you with every transaction’s reward through cashback. It’s Remarkable.


  • Amazon Pay Balance (Help to Shopping time Discount)
  • Highly Secure and safe
  • Easy to use
  • Easy and Fast payments
  • Mobile Recharge, DTH, Electricity Bills, Bills, Travel, Insurance, and many Mores.


  • No Dedicated UPI app

Download click this button, and you must be put Referral code MDXBMX. So you get Rs 75 cashback on the first transactio or won some amazing scratch cards on Amazon Pay.

Click Here to Download/setup Amazon Pay


This app comes from the official Indian government; the name of the app is Bharat Interface for Money (BHIM). The BHIM app is easy to use because it provides a beautiful UI and UX. BHIM app through your payment, recharge, bill payment, check balance, and more. This simple and friendly app doesn’t add more features, but Gov’t App has 99.9% safety.

BHIM was launched by the Prime Minister of India, Narendra Modi, on December 30, 2016 and developed by the NPCI (National Payments Corporation of India).


Tata Neu

Tata Neu comes from the most popular and trusted Indian conglomerate, Tata Group. It’s a super app, but the most useful feature is UPI, so you can use it. In this app, you can transfer money and make payments. All provide UPI app features, including shopping, fight booking, and payment. All services are in one place. So if you are looking for the best and most trusted UPI app, then use TataNeu.

TataNeu founded in 2023. It provides the fastest and most secure money transfer and payment, so it makes your life easy.

TataNeu provides services in payment systems, shopping, digital wallets, mobile payments, online shopping, and more.

Good news for you, TataNeu provides many Offers, Coupons, and TataNeu Conies. Install TataNeu App and use our Referral code to get Rs. 200 Vouchers to install through the give button and signup into this Tata Neu app.

Click Here to Download TataNeu



CRED is the most popular fintech company in India. It was founded in 2018 by Kunal Shah. CRED’s key use is to manage credit card and utility payments. And the CRED app is embedded as a payment option in most e-commerce platforms. So if you use the payment mode CRED app, then this app gives you high cashback and many offers. Now the CRED app is one of the most well-known UPI apps in India.

8. Jio Pay

Jio Pay UPI comes from India’s No. 1 company, Reliance. It’s available in the Myjio app; there’s no dedicated app for UPI.

Jio Pay provides UPI payments, recharges, bill payments, QR code scanning, and many more. And give you a passbook option so you can track your transaction activities.If you’re a Jio user, then you can create Jiopay UPI through my Jio app. Jio Pay is something new you can try.

9.More additional UPI Apps

At this moment, lots of UPI apps are available on the internet. It is not possible to tell one by one. Every UPI app works on the same system. I provide 4 UPI app is best, trusted, most popular and India most use UPI apps. Many UPI apps are available but do not properly work, sometimes fail, or have payment pending. If you want to use more UPI apps, then see this app: BHIM SBI Pay, FreeRechage, Mobikwik, and every bank UPI app you can use.

We recommend you use these four UPI apps. I personally use Phonepe, Google Pay, and sometimes BHIM and Paytm. These apps do not only provide payment but also give you extra features like recharge, bill payment, online shopping, booking bus flights, and many more.

So we recommend the best UPI app, Phonepe, because this app helps you in your daily life. Phonepe is all in one app, so you can find everything.

More UPI apps in India

  • MobiKwik : Google Play Store Rating: 4.2, total of 1,439,427 reviews

  • Whatsapp Pay: Newly Launched with the world most popular App.

  • BHIM SBI Pay: Google Play Store Rating: 4.2,and  3,69,819 reviews.
  • Kotak – Google Play Store Rating: 4.4, and 4,58,209 reviews.

Best Business UPI App in India

Are you looking for the best upi app for business then we solve your problem 

For business, you need to Business UPI and it also helps to grow your business and easy for payment receives.

Here are the top business UPI apps in India –

  1. PhonePe Business UPI
  2. Paytm Business
  3. BharatPe
  4. Google Pay Business
  5. Amazon Pay Business App

which UPI app is best for business?

We provide all are the best performance and highly secure Business UPI App but the Top most Popular are Paytm Business UPI, BharatPe, PhonePe Business UPI, And GPay business.

 if run a small or big business no matter, we provide UPI App are excellent performance and highly secure.

FAQs About Best UPI App in India

1. Which is the best UPI Apps in India?

This article provides this thigh best UPI App in India. We give you 4 highly secure and trusted apps.

2. Which UPI app is best and safe?

We provide four apps that are best and safe. Four apps Phonepe, Google pay, BHIM, and Paytm.

3. Which UPI app gives more cashback?

Best cashback apps, it depends on time to time. But average 1st Phonepe, 2nd Google pay, 3rd Paytm, and last BHIM. If you want to know which time comes offers, then stay tuned with Dealroup.

4. Can UPI be hacked?

It’s possible but very, very difficult 99% safe because UPI payment time doesn’t need any account number, IFSC code, or OTP, so this part makes it more secure.

5. Which is better Bhim or Google pay?

Both are equally the same, trusted, and safe apps. But according to offers, then win Google pay because Google pay provides Rewards to every transaction. But another way, then both are very well apps.

6. Best money transfer app India?

Money transfer app mostly and best way to use UPI through, so we already provided four UPI apps that are best for you.

7. Which is best payment app in India?

The payment app is work on UPI Basic. We already provided four apps that are best for you. These apps are highly secure and trusted.

8. Which is better PhonePe or Google pay?

It’s a very top question because both are excellent apps and provided many offers. We recommend both phonepe and Google pay use and come from any offer grab opportunity. I also use both apps.

9. What is the best to have, Net Banking or UPI App?

Both are her position excellent according to your need to use. If you need only payment under 1-2 lakhs, then UPI best, but you need more or Net banking allow to you see account statement or Fd and many more. Net banking gives you all account handle.

10. How many upi apps in india?

You can find many mores UPI apps in India. but ever UPI not best and safe, so we provide best and high secure list Best UPI apps in India.


I hope you will find the Best UPI app in India after reading my article. We recommend at last; you use 2 UPI apps. One of PhonePe and Google Pay, If you have any doubts, then I will be able to help you tell me the comments section .

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Show all Most Helpful Highest Rating Lowest Rating Add your review
  1. Thanx for this article, and phonpe is much better than others apps because the chance of stuck money is less.

  2. This is nice article thanks for sharing with us.

    • I just check the rating and reviews of the public in play store and I saw the review of G-Pay is very awful with the recent update so I’m still not sure… I want second confirmation if it is ok to use G-pay??

  3. Sir nice information and this is a very helpful article.

  4. This very good ☺️☺️ article.and very good clean language written article.this article helpful information.

  5. This post is really nice and providing the better information. Thanks for sharing this information with us.

  6. Keep on writing, great job!

  7. Awesome article.

  8. Hey very nice blog!

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