UPI payment app
UPI means Unified Payments Interface. The first UPI app is Bhim, which is the India interface for money. UPI Payment App An application that uses the UPI platform to transfer money between two bank accounts.
NCPI has made it easier and safer for UPI for transactions between two bank accounts. This is a recent innovation in the payment gateway, which allows for quicker transactions and much simpler method.
UPI manages most bank account through a single application and benefits merchants and customers. You can schedule your payment and collect the request according to convenience and need.
Features of the UPI payment app
- Instant money transfer 24 hours and all days. 365 days
- Access all bank accounts from one application
- Two-Step Easy Authentication
- No need to enter virtual address-receiver bank account details for each
- customer for trouble-free transactions
- The feature of bill sharing with friends- you can break payment in most customers
- Utility bill payments and other merchant payments with a single scan
- Customer support from the app
- Check bank account balance
Requirements to use the UPI payment app
- You need to have an active SIM linked to a bank account
- Your messaging option must be set to a SIM linked to a bank account
- You must have a valid debit card linked to your bank account
- You must link your mobile number to your bank account and use the same
- number to use the UPI app
What is UPI payment mode?
UPI or Unified Payment Interface is a fast payment system developed by the Indian National Payment Agency for instant transfer of money between two accounts.
How do I pay through UPI?
- Login to your UPI app by entering the requested information.
- Click on UPI or send money option
- Select and enter VPA (Virtual Payment Address or Bank Account Details ie Account Number, IFSC Code and Account Name).
- Enter the money to be transferred.
- Check the details
- Enter the UPI PIN and submit
What is a UPI based app?
UPI Apps Payment applications that use NPI developed by NPCI to instantly transfer money between two applications.
What is the safest UPI application?
Bhim Safe UPI app developed by National Payment Corporation of India because it is an app developed by UPI developers ie NPCI.
- Bhim App
UPI payment app
Bhim is a full-fledged Bharat interface for money. This is a UPI app developed by NCPI. It is simple and easy to use the app. This app simply allows the bank to make a free transfer with a receiver phone number or VPA (Virtual Payments app). This is one of the best UPI payment app 2019 (review and comparisons) in India.
Features of the BHIM app
- Send money
- Receive money
- Scan and pay
- Block User
- Eight languages are supported
- Download BHIM
2. PhonePay app
UPI payment app
PhonePay is a UPI app that is owned by Flipkart. It provides bill payments, recharges and money transfers. It has over 100 million downloads on the Play Store and is one of the most popular UPI apps.
Features of PhonePay
- Send and request money from your contacts
- Recharged DTH, prepaid, Datacard
- Pay utility bills like electricity and water
- Pay postpaid and landline bills
- Check the account balance
- Get refunds and cashback on transactions
- Split bills
3. PayTM
UPI payment app
This is the most popular app among merchants for UPI payments. You can easily find QR UPI code at almost all merchant stores.
It has over 100 million downloads and has a rating of 4.4 out of 5 million reviews. It has all the features of other UPI applications.
Features
- Mobile recharge and bill payments
- Transfer of money
- Pay online and offline merchants
- Book IRCTC and bus tickets
- Metro Card Recharge
- Mutual Funds
4. Google Pay App
Google Pay is a UPI app from Google. Previously it was called Tej App. This is a very popular UPI payment app. It is popular because of its exciting cashback offers. However, now the cashback is significantly reduced compared to the days when it started.
Features
- Pay and receive money
- Online merchants payments
- Pay bills for water, electricity, landline and postpaid
- Rewards on Transactions
5. ICCI Pockets
UPI payment app
It is the ICCI Bank that developed the UPI app and the wallet. This is a user-friendly app that allows you to send and receive money and recharge.
Features
- Pay NFC Touch by Online Card
- Online debit card
- Scan and pay
- Prepaid Mobile Recharge, Dth Recharge
- Send and receive money
6. Freecharge
UPI payment app
Freecharge is a mobile wallet, a UPI app with Mutual Funds feature. It offers all the UPI features like recharges, bill payments, UPI, shopping contracts and mutual funds. It is owned by Snapdeal, so, free of charge cash can also be used on Snapdeal.
Features
- UPI Payments — Send and Receive
- Mobile recharges
- Bill payments
- Metro Card Recharge
- Scan the QR code and pay
- Mutual Funds
7. Bhim Yes Pay
This is a UPI app that comes from Yes Bank with wallet, virtual card, and QR. It has over 500 downloads and a 4.1-star rating in over 9 ratings.
Features
- Load money in the wallet for quick payments
- Save cards and auto load funds
- Send and receive money
- Prepaid Mobile and Dth Recharge
- Shop
- Bill payments
- Virtual Card
8. Mobikwick
Mobikwick is another UPI app that has a wallet feature where you can quickly load money for payments. It has more than 10 million downloads on the Play Store. The app is rated 4.2 stars out of 1 million reviews.
You can enjoy all the features of the UPI app like sending and receiving money, bill payments.
Features
- Bill payments — electricity, water
- Send and receive money
- Recharged Mobile and Dth
- Small personal loan
- Book tickets
Conclusion
Almost all UPI applications offer the same features. All UPI applications use UPI to send and receive money. The popularity of PhonePay, Google Pay and PayTM is due to the cashback offers they offer in every transaction. UPI apps are easy to use, secure and fast.
UPI is very popular these days because of its ease of use.
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