The Indian government always delivers more than expected. #Fact! They provided the third Industrial Revolution, making low-value purchases in UPI and RuPay debit card payments tied to promote e-payment. It leads as a helping hand with a single click or secures the Digital split and warrants the citizen.
What is your opinion on these? Of 5, how many stars would you prefer to give? Please share your precious comment at the end of the article. This time, you will undergo in-depth with a creative mind to become familiar with the Best UPI App in India. Travel the world with these digital Wallets that make your daily transactions secure and effortless.
With UPI's (Unified Payments Interface) support, you can mark your payment without needing the beneficiary's bank and account details. Now, you know what you will face inside these gems. Thus, If you want to learn more about these genera, like How to Change UPI PIN in Google Pay, then let us know about that til then.
List of Best UPI Apps in India
Take one step towards the ous to know which UPI Transaction process is good for you, and also know their founders. We offer you a bunch of information that enhances your wisdom. Thus, without wasting your valuable time, let's move towards where you can gain unforgettable/ latest details. Look now:
UPI App | Founder |
BharatPe | Ashneer Grover, Shashvat Nakrani |
Freecharge | Kunal Shah, Sandeep Tandon |
Google Pay | Sujith Narayanan and Sumit Gwalani |
CRED | Kunal Shah |
PhonePe | Sameer Nigam, Rahul Chari, & Burzin Engineer |
Airtel Thanks | Sunil Bharti Mittal |
MobiKwik | Bipin Preet Singh and his wife Upasana Taku |
PayZapp | Aditya Puri, |
Paytm | Vijay Shekhar Sharma |
BHIM (Bharat Interface for Money) | Bharat Interface for Money |
Amazon Pay | Jeff Bezos |
1. BharatPe
BharatPe is a ruling Indian fin-tech company that delivers digital (electronic) payment and financial services (Intermediary) to small merchants (SMEs) and food marts. Bhavik Koladiya, Shashvat Nakrani, and Ashneer Grover set up this app in 2018. The company aims to make financial inclusion a reality for Indian traders.
Sustainable Developments: BharatPe markedly cut its EBITDA (interest, taxes, depreciation, and amortisation) loss by 75% and tap - record upto 39% blooming revenue from operations in FY24. (fiscal year) The company has engaged with Aditya Birla Housing Finance to reform secured leasing.
Dealer Network: With over 13 million Tradespersons across 450+ Indian cities, BharatPe has made over $30 billion in payments. The company aims to empower traders and formalise business for women entrepreneurs (mompreneurs).
2. Freecharge
FreeCharge is an Indian E-Wallet and financial intermediation platform that allows users to make bill payments, mobile recharges, and online transactions. Explore your knowledge regarding these by reviewing the information we deliver right below.
High Point :
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Mobile Recharges #Mobile load (prepaid, postpaid, DTH)
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Repayments (electricity, gas, water, landline)
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Payments through UPI
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Wallet (reserve money for easy transactions)
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Online transactions (e-commerce, travel, etc.)
Welfare :
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Speedy and safe transactions
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limited-time offer and cashback (rewards program) offers
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Easy invoice tracking and reminders
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Countless payment options (Net banking, cards and UPI)
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Use of an intuitive interface
Certainty:
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PCI-DSS compliant
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128-bit SSL encryption
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Secure payment gateway
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Two-factor authentication
Partnerships with multiple banks :
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Snapdeal
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IRCTC
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Axis Bank
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Multiple banks and merchants
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Flipkart
Honour:
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India Digital Awards: "Best Digital Wallet" (2017)
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IAMAI (Internet and Mobile Association of India awards): "Best Mobile Payment Solution" (2016)
Note* FreeCharge lays the foundation as a trustworthy and user-friendly electronic payment platform in India.
3. Google Pay
Google Pay, or Google Tez, is a financial services and digital payment platform developed by Google. It lets users build transactions, impel money, and pay bills via mobile devices (handheld computers).
Focal point:
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Numerous payments (NFC)
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UPI (Unified Payments Interface) aid
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accounts payable (electricity, water, gas, etc.)
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Send/Receive money
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Mobile recharges
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Digital payments (e-commerce, travel, etc.)
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Cashback offers and Rewards
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Fusing with Google Maps for safe transactions
Pros:
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Swift and secure transactions
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No transaction dues
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User- Friendly interface
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Build a Multi-language backbone of 8 different Indian languages
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Meshing with Google ecosystem
Partnerships With multiple banks :
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Vital Indian banks (SBI, HDFC, ICICI, etc.)
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Payment Service Providers (PSPs)
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eCommerce merchants (Flipkart, Amazon, etc.)
UPI Limits:
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₹1 lakh per transaction: Maximum transaction limit:
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₹1 lakh: Daily transaction limit:
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₹25,000 (for non-KYC users): Monthly transaction limit
4. CRED
Bengaluru-based fintech company, which we know as CRED, offers a mobile app for credit card payments (purchase transactions) and other financial intermediation. Here are some details about CRED:
Highlights:
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Exclusive offers and discounts
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Bill payment reminders
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Personalized financial insights
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Exclusive offers and discounts
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Credit card payment management
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Credit score tracking
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Rewards program (CRED coins)
Pros:
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Gross rewards on credit card payments
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Enhance credit score
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Keep an eye on credit utilization
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Gain exclusive offers and discounts
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Get personalized financial recommendations
Partnerships With multiple banks :
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Notable Major banks (HDFC, ICICI, SBI, etc.)
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E-commerce platforms (Amazon, Flipkart, etc.)
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Credit bureaus (CIBIL, Equifax, etc.)
UPI Limits:
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Income ≥ ₹5 lakhs per annum
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Credit score ≥ 700
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Credit card from a partner bank
5. PhonePe
A mobile payment app, “Phone Pe”, allows users to do easy transactions, send money, and pay bills via their mobile (devices). Check out these features :
Focus on:
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Send/Receive money
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Bill payments (electricity, water, gas, etc.)
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Online payments (e-commerce, travel, etc.)
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Investment options (mutual funds, gold, etc.)
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Gift cards and voucher
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UPI (Unified Payments Interface) support
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Mobile recharges
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Wallet (store money for easy transactions)
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Insurance services
Pros:
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Fast and safe transactions
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Easy-to-use interface
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Integration with Flipkart and other e-commerce platform
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No transaction fees
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Multi-language support (11 Indian languages)
Partnerships With :
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Central Indian banks (SBI, HDFC, ICICI, etc.)
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UPI-enabled banks
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Flipkart
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Online merchants (Amazon, Ola, etc.)
UPI Limits
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₹1 lakh per transaction: Maximum transaction limit
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₹1 lakh: Daily transaction limit
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₹25,000: Daily transaction limit (Note: for non-KYC users)
6. Airtel Thanks
Airtel Thanks is a mobile application and loyalty program constructed by Bharti Airtel, one of India's leading communications service providers (CSPs). Here's some fruitful information:
Important Points:
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Exclusive deals on Airtel services (data packs, add-ons, etc.)
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Deliver premium content (music, movies, etc.)
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Free trials and subscriptions in Amazon Prime and ZEE5
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recommender systems and offers
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UPI support for seamless payments
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Rewards and discounts on recharges and bill payments
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Airtel Payments Bank integration for easy transactions
Pros:
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Redeem points for rewards, discounts, and services
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Exclusive access to Airtel's premium services
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Priority customer support
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Enhanced security with Airtel's secure payment gateway
Airtel Thanks: Tiers
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Gold (₹299/month or ₹2,999/year)
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Silver (default tier)
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Platinum (₹499/month or ₹4,999/year)
Partnerships with :
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Hotstar
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ZEE5
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Netflix
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Amazon Prime
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Various e-commerce platforms
7. MobiKwik
Mobikwik is a payment app and mobile wallet that allows users to make one take transactions, send money, and pay bills through their devices (mobile).
Main Features:
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Send/Receive money using UPI:rt:
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Electricity, water, gas, etc
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Prepaid, postpaid, and DTH
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Mutual funds, gold, etc.:
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Life, health, and general insurance:
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Store money for easy transactions
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E-commerce, travel, etc.:
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Personal loans, credit cards, etc.:
Partnerships with :
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UPI-enabled banks
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E-commerce platforms (Paytm, Google Pay, etc.)
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Central Indian banks (SBI, HDFC, ICICI, etc.)
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Online merchants (Amazon, Flipkart, etc.)
UPI Limits
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₹1 lakh per transaction: Maximum transaction limit:
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₹1 lakh: Daily transaction limit:
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: ₹25,000 (for non-KYC users): Monthly transaction limit:
Services
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Mobikwik UPI
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Mobikwik Payments Bank
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Mobikwik Loans
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Mobikwik Wallet
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Mobikwik Insurance
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Mobikwik Investments
8. PayZapp
Read out the highlighted points that will help you to know more in-depth what’s special in PayZapp. So, here you are :
Top - Points :
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Mobile Recharges: Prepaid, postpaid, and DTH
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UPI Support: Send/Receive money using UPI
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Bill Payments: Electricity, water, gas, etc.
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Loan Services: Personal loans, credit cards, etc.
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Mobile Wallet: Store money for easy transactions
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Online Payments: E-commerce, travel, etc.
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Investment Options: Mutual funds, gold, etc.
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Insurance Services: Life, health, and general insurance
Privacy :
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Secure payment gateway
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128-bit SSL encryption
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Biometric authentication (fingerprint, face unlock)
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Two-factor authentication
Partnerships With :
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UPI-enabled banks
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E-commerce platforms (Paytm, Google Pay, etc.)
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Central Indian banks (SBI, ICICI, etc.)
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Online merchants (Amazon, Flipkart, etc.)
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HDFC Bank
UPI Limits
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₹1 lakh per transaction: Maximum transaction limit:
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₹1 lakh: Daily transaction limit
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₹25,000 (for non-KYC users): Monthly transaction limit:
9. Paytm
Here, you learn what services or essential elements are followed in Paytm digital transactions. Now, have a look at those significant points.
Pros
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No transaction fees
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Multi-language support (10 Indian languages)
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Exclusive cashback offers and discounts
Partnerships with :
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UPI-enabled banks
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Online merchants (Amazon, Flipkart, etc.)
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Major Indian banks (SBI, HDFC, ICICI, etc.)
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E-commerce platforms (Google Pay, PhonePe, etc.)
Paytm Offers
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Reward points on transactions
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Discounts on online purchases
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Exclusive deals for Paytm users
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Cashback offers on transactions
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Referral programs
10. BHIM (Bharat Interface for Money)
BHIM (Bharat Interface for Money) is a digital payment app created by PM Narendra Modi by the National Payments Corporation of India (NPCI). Figure out its perks:
Pros:
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Multi-language support (13 Indian languages)
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Exclusive discounts and cashback offers
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User-Friendly Interface
UPI Limits
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₹1 lakh per transaction: Maximum transaction limit
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₹1 lakh: Daily transaction limit
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₹25,000 (for non-KYC users): Monthly transaction limit
11. Amazon Pay
Amazon Pay helps transact money from one person to another in different ways. Here, we explain its pros and with whom it can be connected. So, stay tuned with us and learn its uses.
Pros:
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Exclusive discounts and cashback offers
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Easy-to-use interface
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No transaction fees
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Multi-language support (10 Indian languages)
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Fast and secure transactions
Partnerships With :
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Online merchants (Flipkart, Paytm, etc.)
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E-commerce platforms (Google Pay, PhonePe, etc.)
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Major Indian banks (SBI, HDFC, ICICI, etc.)
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UPI-enabled banks
Conclusion :
We wrap up our probe of the 11 Prominent Best UPI Apps in India in 2024. It’s clear like crystal that these platforms deliver more than ease; they are an entrance to remarkable rewards and savings (Reduction). That’s all good from my side. If you have any queries or suggestions, let me know, comment down your feedback, and feel free to communicate. # That’s all.
FAQs
Q. Which is The No. 1 UPI app in India?
Ans. PhonePe, Google Pay, Paytm, BHIM UPI, and Amazon Pay are the top-notch UPI apps in India.
Q. Is PayZapp Better Than Gpay?
Ans. Gpay is the better UPI transaction app; these two payment processes, PayZapp and Google Pay, are supreme for “rewards” and “bill payments”. However, Google Pay fits international transactions and provides seamless exposure.
Q. Which Bank UPI is Best?
Ans. The best bank for UPI ID is based on personal preferences and demands. Thus, ICICI Bank, Paytm Payments Bank, SBI, HDFC Bank and Axis Bank are the leading UPI banks.
Q. Can We Use Two UPI apps?
Ans. Of course, You can use two UPI apps simultaneously on the same mobile device.
Q. Is SBI Good For UPI?
Ans. Yes, SBI is an A-1, sheltered & secure transfer route.
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