4 Best UPI App List To Use In 2023 | Complete Updated List

Online payment methods have been on the rise. It is not safe anymore for people to carry lots of cash with them. Moreover, technology today has reached the next step where you are provided with everything at the tip of your fingers. This makes it easy for you to know if anything wrong is happening with your bank account. In India, one of the methods to facilitate an online transaction is by using UPI. UPI stands for Unified Payments Interface which means that all of the banks are united with a single application. Be it any time of the day, you can send out money via UPI. So in this article, we have put forward a list of the best upi app.

There are numerous platforms that use UPI. Although, it is not possible for you to download all of them because it becomes difficult to manage.

So, which are the best upi apps?

This article puts forward the list of the best upi app that will certainly work in India. Read on to find out the perfect one for you!

See Also: How To Disable Samsung Pay I A Complete Guide For You

Best UPI App – Options To Consider

Before jumping on to getting one application, you might want to know about the options that are available. In no specific order of preference, here are a few alternatives to consider.

WhatsApp Pay

This UPI application has just developed recently, in November 2020. It is like you have everything under one roof. So, there will be no need for you to download numerous apps.

whatsapp pay
WhatsApp pay

You may not want to put this under the category of the best payment app in India because it has just recently developed. If you are a person who does not use additional security on your WhatsApp account and everyone has access to it, this is not the one for you. Besides, not all businesses have started using WhatsApp Pay as their option. Also, it is not WhatsApps’ main business to provide UPI services, so, you know what to expect when it comes to customer service and security.

Visit: WhatsApp Pay


PhonePe is one of the best upi app in India. More than 1 crore Indians trust PhonePe to be their go-to when it comes to online transactions. You might want to know that PhonePe has tie-ups with various companies to help their users with a better service. For example, you can recharge your mobile data using PhonePe. They will then set a reminder for you and you can never fear missing out on payments!


You can expect cashback and rewards in PhonePe. It is considered to be one of the most user-friendly UPI apps that you will ever find.

Visit: PhonePe


PayTM also hits the list of being the best upi app because it is one of the first ones that were introduced in India. An amazing feature that PayTM has is that you can add money to the PayTM wallet and then use the money from that. So, if you have any trust issues, you do not have to link your bank account like you have to in other UPI options.


PayTM is one of the widely accepted top upi app so if you have this in your phone, you do not need to worry.

Visit: PayTM

Google Pay

If you believe in save the best for the last, you might want to think of Google Pay as one of the best upi app. This is majorly because it has earned the trust of crores of people in India. It is because it has the brand name of Google stuck right beside it. There have been a lot of online payment scams on PhonePe and PayTM, but have you ever heard of Google Pay being prey to it? Well, this is impossible because the security matrix that they use is extremely strong. It is very difficult to break through it.

google pay
Google Pay

Another benefit of Google Pay is that users earn what is known as Scratch Cards every time they make a transaction. It is self-implied that not every payment that you will do will give you rewards. There is a chance that if you are lucky enough, you can get cashback that could be up to Rs. 1 lakh!

Visit: Google Pay


To know which upi app is best for you, it is important that you consider a number of things. The first thing is that whether or not your bank is supported by UPI. most Indian banks have already tied themselves up with UPI. If this step is qualified, then you know that UPI transactions are going to be fit for you. 

Additionally, you need to know that what is the limit that your bank and UPI have come to when it comes to sending out money. Some banks do not allow more than Rs. 5000 to be sent out. If you are an entrepreneur or a business, this might become a huge problem. For people who do not fall in that category, well, you can consider yourself to be safe. Make sure that you are aware of this limit and based on your transaction history, is this really feasible for you. Wanted to know about to download PhonePe Spoof App? Techwhoop will help you out!

This may not be too important, but, your device should support UPI too. Most smartphones allow you to have the best upi app installed. However, you might want to cross-check by performing the download for the same. 

City to city, the UPI app preference changes so you might want to research about that as well. Certain stores also have certain preferences. This knowledge is also important for you to possess so that you can accordingly get yourself the best UPI app.

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