The Indian Government's "Digital India" initiative program moved Indians toward digital payment systems even before the Coronavirus pandemic hit. The pandemic certainly made more and more Indians adopt cashless dealings.

Here is our checklist of the finest digital payment apps in India:

 

Paytm

 

• Paytm is a Noida-based Fintech firm owned by One97 Communications.

• It permits cashless transactions via the Paytm app or Paytm website.

• Paytm wallet allows you to keep and send cash from one wallet to another Paytm wallet or pay instantly from your bank account operating the UPI.

• You can recharge your mobile phones, metro cards, data cards, and DTH cable.

• You can also make utility bill payments, postpaid payments, book movies, and travel tickets, do online shopping, or use at various locations such as taxis, grocery shops, restaurants, malls, etc.

 

Bhim

 

• BHIM or Bharat Interface of Money is a well-known mobile payment application based on the UPI method and backed by the Government of India.

• You can attach numerous bank accounts in the app and select the one that will accept the incomes directly credited to your bank account.

• Consumers can pay using a QR code, mobile number, UPI pin, bank account number, or Aadhar number.

• It also supports multiple languages.

 

Amazon Pay

 

 

• Amazon Pay, owned by an e-commerce giant, is online payment assistance that permits customers to operate payment modes kept in their Amazon account for buying goods and services on Amazon and third-party e-commerce websites.

• Users can even pay utility invoices and phone bills, send cash to contacts, and more. 

 

Google Pay (GPay)

 

 

• Google Pay, previously launched as Tez in India, is a digital payment app from Google. 

• Google Pay India offerings in other markets such as various cashback, other rewards including scratch cards, discounts, etc.

• Using Google Pay, you can send and receive money to friends and family by using their names, email, phone, or QR codes within India.

• Money transfers to your account can take 3-5 days.

• There are currently no fees to use Google Pay except when transferring money via debit card.

 

PhonePe

 

 

• This Bangalore-based online payment application is India's first UPI-enabled payment application, backed by Walmart-owned Flipkart.

• With PhonePe, you can transmit money, recharge, pay invoices, shop online, book flight tickets, invest, etc.

• You can also make payments via PhonePe wallet, debit, and credit card.

• You can link your other existing e-wallets, such as Jio Money, Airtel Money, and others, with the PhonePe app for hassle-free money transfers between these wallets.

 

Jio Money

 

 

• JioMoney is a payment app by Reliance Industries that can be operated for bill payments, recharge mobile/DTH, and completing payments at thousands of online and physical stores.

• JioMoney offers discounts, cashback, coupons, and deals.

• The money can be added to the wallet using Net banking, debit card, credit card, or link to the bank account.