5 Essential Smartphone Apps based on Unified Payments Interface (UPI)

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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.


  • 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


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