Unified Payments Interface has made itself the staple payments service in India. In the long run UPI is expected to replace other payment options including cash. We take a look at the 5 most essential ones.
SBI Pay
- Secure and easy to use
- It is available on Playstore and the Appstore
- Transactions can be completed in 3-4 steps
- Features balance enquiry, change of UPI pin, send & request money.
Axis Pay
- Available only on Playstore
- Perhaps the cleanest interface out of all the UPI apps
- Only Send money and Request money options show up on the home screen.
- Security provided via a 6 digit app password.
- Although 5 steps are involved while sending of money.
BHIM UPI App
- Only available on Playstore
- Developed and released by NPCI
- Simplest and fastest of the UPI apps available
- Great user experience in accessing services such as Send and Request money, change UPI PIN, generate QR codes etc.
PhonePe App
- Only available on Playstore
- PhonePe app not only acts as a UPI app but also as a mobile wallet.
- It has a smooth and clean interface.
- Allows transaction related services such as Send & Request money, change UPI Pin etc.
- PhonePe app also allows payment of bills.
- Available in 8 languages
eMpower App
- Available only on Playstore
- Good interface with feature to upload customer picture.
- Allows sending of money via virtual payment address and also via Aadhaar.
- Slower app compared to the others with many authorization steps involved