Best Payment Apps in India 2022

Best Payment Apps in India 2019: Paying for some thing with cash is so ultimate century, and who virtually wants to walk around with a load of alternate jangling of their pocket, threatening to depart some scratches on that glossy telephone display.

The concept of a ‘digital pockets’ has been promised for years, ultimately making the telephone the maximum critical object to have while leaving the residence. However, up till these days, just about all transactions had been performed through more traditional fee techniques, particularly credit,debit playing cards and cashback credit playing cards in addition to correct antique trusted hard currency.

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Mobile payment apps are changing the old school way of purchasing things, and streamlining the manner. They excel at small transactions, avoiding the need for having cash, inclusive of paying a babysitter, or splitting the tab at a eating place while eating with pals. Mobile payments are also getting used at retail establishments, through contactless charge structures and Near Field Communication (NFC).

With the fundamentals laid out, let’s help you pick out the excellent methods to digitally send cash via some top-notch mobile fee apps.

Here are ten apps to consider and some highlights of their features.


Paytm —Best for Android users

  • Compatible with: Android and iOS.
  • Payment limits: You can send up to $9,999 in one transaction or up to $10,000 in seven days. Floridians are limited to $3,000 every 24 hours.
  • Cost to send money: No fees, but doesn’t allow you to use a credit card to send money to friends and family.

PayTM is one of the largest mobile commerce platforms in India, offering its customers a digital wallet to store money and make quick payments.

Launched in 2010, PayTM works on a semi-closed model and has a mobile market, where a customer can load money and make payments to merchants who have operational tie-ups with the company. Apart from making e-commerce transactions, PayTM wallet can also be used to make bill payments, transfer money and avail services from merchants from travel, entertainment and retail industry.

Visit Paytm to learn more.

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Phonepe —Best for Android users

  • Compatible with: Android and iOS.
  • Payment limits: You can send up to $9,999 in one transaction or up to $10,000 in seven days. Floridians are limited to $3,000 every 24 hours.
  • Cost to send money: No fees, but doesn’t allow you to use a credit card to send money to friends and family.

Visit PhonePe to learn more.



Google Pay—Best for Android users

  • Compatible with: Android and iOS.
  • Payment limits: You can send up to $9,999 in one transaction or up to $10,000 in seven days. Floridians are limited to $3,000 every 24 hours.
  • Cost to send money: No fees, but doesn’t allow you to use a credit card to send money to friends and family.

Visit Google Pay to learn more.

Apple Pay—Best for Apple users

  • Compatible with: iOS.
  • Payment limits: Up to $3,000 per message and $10,000 in a seven-day period.
  • Cost to send money: 3 percent fee for amounts funded by credit card to friends and family.

Visit Apple Pay to learn more.

Samsung Pay—Best for Samsung devices

  • Compatible with: Select Samsung devices.
  • Payment limits: None (doesn’t allow person to person transfers).
  • Cost to send money: None (doesn’t allow person to person transfers).

Visit Samsung Pay to learn more. 

PayPal—Best for low-fee transactions

  • Compatible with: Android, iOS.
  • Payment limits: No limits on money you can send from your verified account. You can send $60,000 but may be limited to $10,000 in a single transaction.
  • Cost to send money: If paying with a credit card, debit card or PayPal credit you pay 2.9 percent plus a fixed fee.

Visit PayPal to learn more.

Xoom (A PayPal service)—Best for sending money to other countries

Xoom is unique in that it’s main purpose is to send money to other countries.

  • Compatible with: Android, iOS.
  • Payment limits: Up to $25,000 per transaction. Initial limits are $2,999 in 24 hours, $6,000 in 30 days and $9,999 in 180 days. Can increase limits by giving Xoom more personal information.
  • Cost to send money: Cost varies depending on which country you’re sending money to.

Visit Zoom to learn more. 

Circle Pay—Best for sending money to other countries

Circle Pay allows you to send money to other countries and in foreign currencies.

  • Compatible with: Android, iOS.
  • Payment limits: $400 per seven-day period. Can be raised to $3,000 per seven-day period by providing additional information.
  • Cost to send money: Circle Pay doesn’t charge fees, but your bank may.

Visit Circle Pay to learn more. 

Venmo—Best for sending small amounts of money

  • Compatible with: Android, iOS.
  • Payment limits: $299.99 weekly, but can be raised to $2,999.99 weekly.
  • Cost to send money: $0 if purchasing from authorized merchants, 3 percent if paid by credit card, $0.25 to transfer Venmo balance out of Venmo.

Visit Venmo to learn more. 

Square Cash—Best for sending small amounts of money

  • Compatible with: Android, iOS.
  • Payment limits: Initial limit of $250 per transaction or seven-day period. Limit can be raised up to $2,500 per seven-day period.
  • Cost to send money: 3 percent fee if sending by credit card. The fee is added to the transaction total.

Visit Square Cash to learn more.

Zelle—Best for credit union members

Zelle is unique because it is part of your bank’s or credit union’s app.

  • Compatible with: Depends on bank or credit union’s app.
  • Payment limits: If your bank or credit union doesn’t offer Zelle, your limit is $500 per week. If they do, contact your bank or credit union for limits.
  • Cost to send money: Zelle doesn’t charge fees, but your bank or credit union may.

Visit Zelle to learn more. 

Facebook Messenger—Best for no-fee transactions & Facebook lovers

  • Compatible with: Android, iOS—Users must have a Facebook account.
  • Payment limits: Not disclosed.
  • Cost to send money: No fees, but you can only use a debit card or PayPal account to fund transfers.

Visit Facebook to learn more. 

Amazon Pay

Amazon Pay is an online payments processing service that is owned by Amazon. Launched in 2007 globally and in India in 2017, Amazon Pay uses the consumer base of Amazon and focuses on giving users the option to pay with their Amazon accounts on external merchant websites, including apps like BigBazaar etc. You also get to Shop on Amazon using Amazon Pay.

Number of installs: Undisclosed

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Mobikwik

MobiKwik is an independent mobile payment network that supposedly connects 25 million users with 50,000 retailers and more. This mobile wallet lets its users add money using debit, credit card, net banking and even doorstep cash collection service, which can in turn be used to recharge, pay utility bills and shop at marketplaces. Owing to the growing need for convenience, MobiKwik has also recently tied up with large and small time grocery, restaurants and other offline merchants.

Another unique feature they have is their expense tracker which allows to set budget for your expenses across all payment instruments and it uses your SMS data to analyse and control spends.

Number of installs: 10,000,000+ (10 Million or 1 crore) on Android Play Store

6. Yono by SBI

This mobile wallet application was launched by State Bank of India to let users transfer money to other users and bank accounts, pay bills, recharge, book for movies, hotels, shopping as well as travel. This semi-closed prepaid wallet offers its services in 13 languages and is available for non-SBI customers as well. This app also allows its customers to set reminders for dues, money transfers and view the mini-statement for the transactions carried out.

Number of installs: 10,000,000+ (10 Million or 1 crore) on Android Play Store

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7. Citi MasterPass

Citi Bank India and MasterCard recently launched ‘Citi MasterPass’, India’s first global digital wallet for faster and secure online shopping.

Citi MasterPass

By using this, Citi Bank debit and credit card customers become the first in this country to be able to shop at more than 250,000 e-commerce merchants. It ensures faster checkout with a single click or touch and stores all your credit, debit, prepaid, loyalty cards and shipping details in one place.

8. ICICI Pockets

Pockets by ICICI is a digital bank that offers a mobile wallet for its customers. It provides the convenience of using any bank account in India to fund your mobile wallet and pay for transactions.

With Pockets, one can transfer money, recharge, book tickets, send gifts and split expenses with friends. This wallet uses a virtual VISA card that enables its users to transact on any website or mobile application in India and provides exclusive deals or packages from associated brands.

Number of installs: 5,000,000+ (5 Million or 0.5 crore) on Android Play Store

9. HDFC PayZapp

PayZapp is a complete payment solution giving you the power to pay in just One Click. PayZapp lets you recharge your mobile, DTH and data card, pay utility bills, compare and book flight tickets, bus and hotels, shop, buy movie tickets, music and groceries, avail great offers at SmartBuy, and send money to anyone in your phone book.

Number of installs: 10,000,000+ (10 Million or 1 crore) on Android Play Store

10. BHIM Axis Pay

BHIM Axis Pay is a UPI banking app that lets you transfer money instantly to anyone using just your smartphone. Make online recharges to your prepaid mobile and DTH set-top boxes directly from the app.

Number of installs: 1,000,000+ (1 Million or 0.1 crore) on Android Play Store

Data on digital payments in India

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