Best Online payment Apps  of 2022

Best Online payment Apps  of 2022


The use of mobile payment apps in India is increasing dramatically since the demonetisation. Before that, there were very few apps to do payments online. But after the demonetisation, a number of payment gateways were introduced in India. More recently, WhatsApp also started its own payment gateway in India. If you interested in using the payment app for your mobile, here the top apps to use in India.

1. Paytm:

It was just launched as an e-wallet. When the Indian government introduced UPI scheme, the Paytm offers its users to make payments using e-wallets. Today, the Paytm covers all the possible payments, ranging from your house rent to getting an loan for you.

It is the No.1 Digital wallet app used in India before the introduction of UPI scheme. You are allowed to carry all your payments apart from the purchase in e-commerce. Moreover, you can use this Paytm wallet as your savings account, where your money is saved safely.

2. Google Pay:

At beginning, it was launched as Tez back in India in 2017. During that time, it used UPI offered by Indian government. Later in 2018, it was renamed as Google Pay by Google and launched in more countries all over the world. It is compatible in both android as well as in iOS. It allows its users to do recharge your phone, all the billing, money transfer online directly from your bank account. Google Pay doesn’t need any wallets and no required to do additional KYC. It is actually asked in all other mobile payment apps.

In addition to that, it awards you scratch cards and rewards to earn money and directly add it your bank account. Along with that, its interface is user-friendly.

3. Apple Pay:

It works only on Apple’s iPhons, iPads, MacBook and Apple Watch Series. Like other payment apps, it also request users to add their supported debit, credit card to Apple Pay.

4. Amazon Pay:

It is one of the popular and developing mobile payment apps in India. It is used in various platforms like Swiggy, Uber and more similar platforms. To provide you no-cost EMI payment option, Amazon has tied up with ZestMoney. This is one of the greatest app for buying all your products and necessaries and paying back it through affordable monthly installments.

5. PhonePe:

It was started in 2015 and in a short time, it has crossed the 100 million+ downloads. In PhonePe you can do money transfers online, mobile recharges, and more on. It has a good interface and its the safest and fastest online payment app available for Indian users.

PhonePe also provides various rewards, offers, and cashback to its users. It is definitely the best mobile app for payments than most of the other apps available in the market.

6. BHIM Axis Pay:

It is a UPI banking app, used to transfer your money to another account using your smartphone. It offers its users to do prepaid mobile, DTH set-top boxes recharges directly from the mobile app.

7. PayZapp:

HDFC Bank PayZapp is another powerful mobile banking app for Indian users. It used to do Bill payments, Online recharges, ticket booking for travel, shopping movie tickets and more. PayZapp supports mVisa QR, MasterPass QR and Rupay QR and all banks for payments. Ultimately, PayZapp is more convenient, fast, secure and user friendly mobile payment application in India and its worth to check it.

8. Freecharge:

It is another best online payment mobile application available in India. It also offers its users to do all bill payment transactions, mobile recharges, UPI payments once you connected your banking. Since its user interface is clean and simple, it’s easy to use and make UPI payments. Apart from all these, Freecharge has an option to invest your money in Mutual funds, investing with SIPs, movie ticket booking, travelling tickets and much more. Freecharge also offers various offers, cashbacks and discounts to their customers.

9. Dhani:

THis app is a part of the Indiabulls group with various features in-built. Apart from being a normal e-wallet apps, it can also combined with Dhani SuperSaver Card. It has game playing options to their users to play, win and earn money. It also has features like, bill payment transactions, mobile recharges, EMI payments, Insurance and its own products. When you combine this app with its Dhani card, its guaranteed to get 5% cashback in all your purchases. Moreover, it’s completely free for the first month.

10. Mobikwik:

Mobikwik is the last recommendation app in our list and it has over 25 million+ users. This has an e-wallet, so you add your money with debit card or credit card. Once it done, you can make your recharges, billings and purchases. Recently, Mobikwik is signed with large and small-time groceries, restaurants for their growth.

The unique feature about this payment app is that, it allows its users to track their expenses. It helps in fixing your budget.


The mobile payment apps and its need is rising rapidly in this period. So choosing the best one is difficult. We hope this article will help you to choose the best one for your payments and purchases. All the apps are unique in its user-interface and provide safest security to your money.











































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