Top 5 Fast and Secure Payment Apps in India (2023)

best upi apps

The Unified Payment Interface (UPI) is the most popular mobile payment method in India. It allows users to do instant bank-to-bank fund transfers, online bill payments, shopping, mobile recharge etc. These are very fast and secure, you don’t need to enter your username and password. You will find many third-party payment apps but some of them are the most used across India.

You have to complete a one-time registration process with your registered mobile number. Once registered, you are ready to use all these best UPI payment apps that are fast and secure for fund transfers and bill payments.

Various third-party apps are available that are much easier to use and more secure. Here you can add multiple bank accounts in a single UPI-supported app for money transfers and other payments.

Apart from this, all these apps also provide various banking facilities; You can do self-transfer, check your account balance, shop online, change your UPI PIN and UPI ID and much more.

Best UPI Payment Apps

UPI-supported apps are mostly used for fund transfers and bill payments, and it is easy to use and most secure for users. The Unified Payments Interface (UPI) app allows linking multiple bank accounts into a single mobile application.

So, here you can take advantage of multiple bank accounts in a single app. These are the popular top 5 best UPI apps that are best and more secure for online transactions.

  1. Google Pay
  2. PhonePE
  3. Paytm
  4. Freecharge
  5. MobiKwik

Out of 5 UPI applications, the top 3 apps ( Google Pay, PhonePe and PayTm) are widely used in India.

Google Pay

The Google Pay app is owned by Google and was previously launched as Tez. Google Pay is a secure and fast mobile payment application that allows customers to transfer funds instantly. There is no wallet or direct bank-to-bank transfer. This app is available in several Indian languages like Telugu, Tamil, Marathi, Bengali, Kannada, Hindi and others languages.


PhonePe is one of India’s most used third-party UPI payment apps that allow users to transfer funds using the UPI interface. It is one of the fastest and preferred apps, and there are many other bill payment features for users, making it unique.


Paytm is the oldest popular and secure mobile app you can use for many purposes. It offers multiple banking services like Paytm Bank, Credit Card, Digital Cash and Wallets, which you can use for any consumer payment. You can also add money to Paytm Wallet through UPI, Internet Banking or Credit/Debit Card.

Other UPI Payment Apps

All these mobile banking applications support UPI, and you can link multiple bank accounts.

  • BHIM App
  • Samsung Pay
  • BHIM SBI Pay


The National Payments Corporation of India (NOCI) developed Bharat Interface for Money (BHIM). It is a straightforward and secure app where you can do instant bank-to-bank transfers using a UPI ID or mobile number.


Freecharge is an owned subsidiary of Axis Bank Limited, one of India’s best UPI payment apps. Here, you can also add multiple bank accounts. In addition, you can use Freecharge to make prepaid, postpaid, DTH, Mobile recharge and utility bill payments for numerous service providers.


The MobiKwik app is certified as top security by international standards and complies with RBI regulations. It is also a UPI payment app that was launched in 2009. It is a phone-based payment system that supports UPI.

Samsung pay

Samsung Pay is a mobile payment system that lets you use your smartphone to make payments at retail stores worldwide.


BHIM SBI Pay is another best UPI apps by the SBI that allows users of all banks participating in UPI to send and receive money. Besides, you can also make online bill payments, recharges, purchases etc.

Q: Which is the best UPI app in India?

A: PhonePe is the best UPI payment app and has a larger customer base. There are several features available, also fast and secure.

Q: Which UPI app is considered the most secure?

A: Google Pay is considered the most secure UPI Payment application. Because Google owns it.

Q: Which are the top two payment apps in India?

A: Google Pay and PhonePe are India’s top two payment apps.

Q: Can I add multiple bank accounts in PhonePe?

A: You can add multiple bank accounts in PhonePe.

Q: Does “Google Pay” support multiple bank accounts?

A: Yes, the Google Pay app allows you to add multiple bank accounts.


The use of UPI-based apps has grown tremendously in India over the years and most of the transactions are done through UPI. All the popular apps are playing a vital role in the digital banking system. Wherever you are, you can use the UPI mobile payment system. It requires only a mobile phone and links to your bank account. These apps like Google Pay, PhonePe and Paytm are popular and considered safe for transactions.

About Bankshala team

We are a dedicated professional team, working closely with each other to provide quality content in the banking and finance sectors. Some editors have been investing in the stock market for almost 15 years and have a lot of experience.

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