UPI apps have forever changed the way of making payments. Slowly but steadily they have replaced all other payment options including cash. Both android and iOS stores are now flooded with UPI apps for making payment secured payment transactions. Some of them are good and some bad. Which one we choose can be dependent upon many things which include characteristics like functionality, security and speed of the app etc. All of these supporting UPI payments which are highly secured, the actual difference where an app exceeds and other does not is friendly UI and every transaction related feature that can make life easier for the user. Visit here for more details: http://bit.ly/2Bl4t7E

1. A Salient Introduction Of The Most
Used UPI Payment Apps Of Today

2. UPI and UPI money transfer apps have permanently
changed the way we make payments here in India. Slowly
and steadily, it has taken over the economy replacing all
other digital options like debit/credit card, net banking and
cash as well. But not all apps are good, and all are bad. In
this post let me introduce you to the 10 UPI apps of today
and given a good comparison between all of them. It’s up to
you to choose which one you want to install and use.

3. BHIM UPI App
❏ The first UPI app ever made and still going strong.
❏ This app is developed and released by NPCI and is perhaps the simplest to use and the
fastest on app store.
❏ With minimalistic design and simple approach, it is designed in a way such that you can
access its services with just a single tap of the button.
❏ User experience is great, and it has all the features that there should be in a UPI app
which includes sending and requesting money, checking balance, changing PINs etc.
❏ You have the option to send money using UPI ID or QR code and mobile number as well
of the beneficiary.

4. PhonePe App
❏ PhonePe is not only a UPI app but it’s also a mobile wallet.
❏ Contains both UPI and wallet features.
❏ Interface looks great.
❏ The app works well on all connections types and speed.
❏ You have the ability to check your bank balance and you can send money using a mobile
number as well. Just have to make sure that the beneficiary is registered with UPI.

5. CU App
❏ This app is superb when you need the right balance of basically everything and every
feature which you require from a payment app.
❏ First of its kind, this app does more than just UPI payment, it has shopping and
communication feature as well.
❏ No personal information is required from the user for using any of its feature.
❏ It has both QR code & VPA based payment options, supports multiple bank accounts and
user can make both online and offline payments to merchants.
❏ The most important thing being this app never charges you for any transactions done
through it.
❏ Very fast app with 3-steps towards transaction completion.

6. SBI Pay
❏ A standalone UPI app of SBI (State Bank Of India), the app is as secure as it gets and is
quite easy to use.
❏ Great user interface, transactions can be completed in 3-4 steps.
❏ All of the important options can be accessed very quickly and are on the main screen of
the app like change PIN, balance enquiry, sending and requesting money.
❏ The only drawback I felt was the app’s workability in terms of speed. This was a problem
back when it started, and it has been a problem ever since. They should really improve
things on this front. Takes around more than a minute just to log in even on a 4G network
sometimes which is just not acceptable by users.

7. Axis Pay
❏ This is a great app by AXIS Bank. I have yet to see a crystal-clear UI better than Axis Pay.
The closest I believe was of CUApp.
❏ The app’s home-screen displays two options, sending and requesting money. Rest of the
options are cleverly placed in the side navigation.
❏ This app uses a 6-digit password.
❏ App is fast but lacks minimum number of steps in completing a transaction.

8. Axis Pay
This is a great app by AXIS Bank. I have yet to see a crystal-clear UI better than Axis Pay. The
closest I believe was of CUApp. The app’s home-screen displays two options, sending and
requesting money. Rest of the options are cleverly placed in the side navigation. This app uses a
6-digit password. App is fast but lacks minimum number of steps in completing a transaction.
These are the best UPI apps out there right now contributing to the digital India campaign. You can install
any one of these apps and can forget about cash & debit/credit card payments. All of them are great but if
you are looking for a great balance in everything from speed of the app to its feature-wise usability,
according to majority users, CUApp is your best bet. You can however choose which is the best UPI
payment app for you.

9. Axis Pay
This is a great app by AXIS Bank. I have yet to see a crystal-clear UI better than Axis Pay. The
closest I believe was of CUApp. The app’s home-screen displays two options, sending and
requesting money. Rest of the options are cleverly placed in the side navigation. This app uses a
6-digit password. App is fast but lacks minimum number of steps in completing a transaction.