Best UPI Payment Apps in India 2023 (Special Offer Inside)

Best UPI APPS 2023: Hey Guys, today we are Going to discuss with you Future of Payment System that is UPI (Unified Payment Interface ).

UPI is Game-changing Payment Technology which is changing all old & Complicated Payment Sending systems and making One-click Money transfer system Via APP.

So today we are going to tell You TOP Ten Best UPI APPS which are dominating INDIAN Market & Giving User Incentives Cashback and Many more features for using UPI Apps.

In recent data showing us UPI payments in India is on a boom and Paytm leading the market with other comparative apps so we are listing those apps in here also


What is UPI & How it Works?

UPI is new Sensational Technology which is Changing Banking. UPI is introduced in order to facilitate a faster and more reliable transaction.

UPI full form is Unified Payments Interface which is the successor of IMPS (Immediate Payment Service) which helps you in sending money to anybody within your bank or other banks instantly. The settlement of Fund is in Real-time & hassle-free.

How to use Unified Payment Interface

UPI Working is very simple and easy to set up that is the plus point of this tech. With UPI you need simply a Mobile Phone & Bank account from which you send money from one party to another party.

From Bank Registered mobile number You can setup UPI System to any Unified Payments Interface Apps like BHIM, Paytm UPI, PhonePe, Google Pay, etc after a one-time setup You can send money in real-time to any UPI users. or Bank accounts within few seconds.

Benefits of using UPI :

  • Send or Receive Money from one Bank to others INSTANTLY.
  • No need to remember Account Number, IFSC Code.
  • You can do mobile recharges & bill payments.
  • You have to choose your own unique UPI ID Code (Virtual ID).
  • You can create any number of UPI alias.
  • You can send or receive money anytime you want (24 x 7).

Safety & Security of UPI Apps in India:

When You start using UPI Payment Apps You must be thinking of how much safe these apps or UPI Technology.T hen let me Tell You UPI Technolgy is built By NPCIL (National Payment Corporation of India) which deals with fund transfer.T his systems are Monitor by RBI & Banks.

Each App is going tough Review process by Banks & Security experts then introduced in Market and there is a set of rules for everything.

Like if your transactions failed or not reached on beneficiary account it automatically returned back to sender accounts. This type of feature and more Security features are inbuilt to give you full Sequrity& safety of your app and funds.

List of TOP 10 Best UPI APPS With Earning Opportunity:

I hope You Get an idea of what is UPI Payment System it’s Technology and how it works. Now we are going to Give you Top Ten Best UPI Payment APPS in India which is the leader of UPI Market and trusted & Reliable.

RankList Of Best UPI APPDownload Link
1PhonePe AppDownload Now
2Google PayDownload Now
3Paytm UPIDownload Now
4Amazon UPIDownload Now
5BHIM UPI Download Now


In the List of Best UPI APPS in India, I am giving Paytm up the first position because every Indian Smartphone users using the Paytm app.

Paytm app is a one-stop solution for all your household needs they are also Integrated Paytm UPI in the same app. From which You can Link your Bank account with Paytm & send money to any UPI Users or any bank within a few seconds.

Paytm UPI Cashback
Earning Opportunity with Paytm :

As you all know paytm is famous for giving Cashback on your Online shopping recharge or bill payment Same Offer applies with Paytm UPI If You use Paytm you get Cashback up to 750 on sending or receiving money Via UPI.

If you have a Paytm merchant then you can take payment via UPI Bar code and get Cashback for each transaction.

Paytm APP Download Link: Download Now


BHIM app is developed by National Payments Corporation of India in a process to enhance Digital India’s strength and it is the Official Government app. So You can completely Trust this app because of government monitors and control each transaction.

The main USP of BHIM UPI APP is that is it is a very simple user interface and most reliable app. This app is the first UPI Payment app that is launched by Gov ON UPI technology.

BHIM Cashback
Earning Opportunity with BHIM UPI:

Gov of India offers Incentive Program that is Refer BHIM App and Get Rs 50 cashback on the first transaction made by the invitee .

From this, you can refer this app to your friends & family members & earn Rs 50 cashback for each new BHIM Users.

BHIM APP Download Link:  Download Now

3- Google Pay

Google tej which is now known as Google Pay is one of the reliable & reward giving UPI Payment apps developed by GOOGLE. They support almost every bank and Giving extra layer security with Pattern lock.

Google Pay is not only supporting UPI Payments but from Pay app, you can pay the Electricity bill, mobile recharges & bill payments, movie tickets and many more 3rd party payment directly from the app.

Google Pay
Earning Opportunity with Google Pay UPI:

Google Pay introduced Scratch card Concept where for each unique transaction You can earn cards Which You can scratch it and earn random money up to Rs 10000 which will be deposited directly in your bank account.

For each new friend who you invite You to get the card it means to earn lots of scratch cards and scratch it and win real cash.

Google Pay APP Download Link: Download Now

Here is the earning proof from Google Pay. You can earn by sending money to your friends on QR code as well as by referring Google pay App to others.

google pay cashback

4- PhonePe UPI App:

PhonePe is dominating UPI Market with its offers & Cashback. PhonePe launched by Flipkart in early when UPI Start making noise in the market.

PhonePe is an app that offers multiple payment options of all your Online needs from phonepe you can do mobile recharges & bill payments, use as wallet buy a gift card, movie tickets, etc and all of this transaction you can earn money back, direct discount, etc.

PhonePe Cashback Offer
Earning Opportunity with PhonePe UPI:

PhonePe from start giving cashback discount on recharges and bill payment. Recently they also start giving Scratch cards like Google Pay which makes this app more interesting.

As you send UPI Payments to anyone You earn scratch card and by scratching it you earn a random amount of discount. So whenever you are going to Use UPI you can this platform to earn real money via PhonePe.

PhonePe APP Download Link: Download Now

Well, you guys can earn a lot from referring and earn. This app gives you Rs 75 per referral. For more detail, you can read this post on “Phonepe Offer“.

Phonepe UPI

5- Amazon UPI:

Amazon is also taking entry in UPI Payment they recently introduced Amazon UPI with the tag line “Now Pay directly from a bank account”.

By entering Amazon in UPI market users getting lots of cashback because you know amazon is a market leader of the shopping industry so when You shop with amazon UPI using QR code and they are giving cashback plus from single amazon app you can send money to any UPI users or bank account directly.

Amazon UPI
Earning Opportunity with Amazon UPI:

Amazon UPI is new and lots of earning potential as You know the amazon app is giving inbuilt UPI feature so whenever you shop on Amazon app use amazon UPI Virtual id to pay your shopping so you get cashback or discount offer on amazon UPI. They also planning more cashback offers and refer offers so be prepared to earn with this.

Amazon UPI APP Download Link: Download Now

Hey, Guys above are TOP 5 Best UPI apps in India 2022 which are dominating the market but there are other UPI App too like Airtel Payments Bank UPI, AXIS BANK UPI App, BHIM ABPB App, WhatsApp UPI, etc.

Bank with UPIUPI App Free Download
UPI ICICI AppClick Here
PNB UPIClick Here
SBI UPI AppClick Here
HDFC UPI AppClick Here
Andhra BankClick Here
Axis BankClick Here
Bank of MaharashtraClick Here
Union Bank of IndiaClick Here
YES BankClick Here
PhonePeClick Here

So in the future, if they give earning opportunity and more features we will add him to the list so you guys enjoy it.

If you are any confusion about any app let me know we are here to help with these top best UPI apps in India.

Join Loot Deals Telegram Channel
Sarvesh Singh

“They all laughed when I said I'd become a Blogger. Well, they're not laughing now.” Now being one, I always love to share my knowledge with others. :) I find myself good in Tech Field & Apps Promotion. You can catch me up at Linkedin or Facebook.