10 Best Digital Payment Apps [Top Picks]

Best Digital Payment Apps

In this article, we have assembled the best digital payment apps for you to choose from. Continue reading to know more.

Due to COVID-19, India has gone digital to a large extent by digitalizing its shopping patterns and payment options. Digital and mobile wallets have evolved and are being used every day by everyone. Credit card payments along with traditional payment methods have been surpassed by UP. Wallet payments in India are extremely convenient for customers.

Mobile wallet, sometimes known as a digital wallet, is a mobile-based virtual wallet that can be used to make online or offline money transfers. There are various types of mobile wallets depending on usage and payment types are available in India like semi-closed, semi-open, open, and closed. Wallet payments have become extremely popular in our country as they help increase transaction speed.

Almost every E-Commerce company and market places have adopted this technique and prefer it over cash payments. With the introduction of UPI, it has become even easier since the transaction occurs straight from bank accounts.

List Of Best Digital Payment Apps

The best digital payment apps are listed below.

1. Google Pay (earlier known as Tez)

Google Pay

Google pay as the name suggests is a part of the famous Google family and that is why even though they have entered the market a little late, they have still managed to gain a huge user base. After entering the market, Google pay quickly became the best digital wallet and the best digital payment app in India. Almost every transaction, be it recharging your phone or booking concert tickets is possible through Google pay and all these transactions occur straight from your bank account through UPI.

No additional KYC is necessary for this app. All the transactions are taking place from the bank account directly. There is no need to worry about reloading your wallet from time to time. Google Pay also bestows its customers with cash prices and scratch cards which are directly sent to the customer’s bank account.

Installation count: 100,000,000+ (100 Million on Google Play Store)

Download: Android / iOS

2. Paytm


The second one on our list of best digital payment apps is Paytm. It has a featured digital wallet that lets its customers make quick payments and store money in their wallets, helping them limit their expenses. This semi-closed e-wallet app, launched in 2010 can make transactions with people who have an operational association with Paytm. It is easy to create Paytm account.

Before the launch of UPI, it was the best digital payment app in India. Bill payments, money transactions, booking of tickets to movies and concerts, and recharging your phone and smart cards are possible through this app along with E-Commerce transactions. Paytm now also allows UPI payments.

Installation count: 100 Million on Google Play Store.

Download: Android / iOS

3. Phonepe (Earlier it was a part of Flipkart)


On our list of best digital payment apps in India, Phonepe comes in third position. It was introduced in 2017 and has completed more than a hundred million downloads in only four years. This payment app is extremely user-friendly and is one of the fastest as well as the safest digital payment app that is currently present in India. Through this app, you can complete UPI payments, bill payments, and many other transactions with extreme convenience.

Installation count: 100,000,000+ on Google Play Store

Download: Android / iOS

4. Amazon Pay

Amazon Pay

Amazon pay comes 4th on our list of best digital payment apps in India and this online payment app is owned by Amazon. Not only in India but around the globe, this payment app is considered one of the best digital payment apps present today. Even though Amazon pay was first launched globally in 2007, it was first introduced in India in 2017 which is almost 10 years later. Amazon pay gives the option to its customers to pay on its own shopping website through it and also other merchant websites like big bazaar etc.

This app makes use of the customer base of Amazon and provides easy payment options to its customers. This application gives no-cost EMI options to its customers making it easier for them to pay for products on Amazon. You can pay in monthly installments and has associations with fintech companies like zest money.

Installation count: Undisclosed

Download: Android / iOS

5. BHIM Axis Pay

BHIM Axis Pay

With the use of the UPI banking app BHIM Axis Pay, you can send money instantly to anyone using nothing more than your smartphone. Directly from the app, recharge your DTH set-top boxes and prepaid mobile phones online.

Installation count: 1,000,000+ on Google Play Store

Download: Android / iOS

6. Dhani


Next on our list of best digital payment apps in India is Dhani which is a part of the India Bulls group. It is not just a common e-wallet but can be used in combination with the Dhani super saver card. This application has a unique reward and loyalty feature where customers can play different types of games to win cash through which they can pay for insurance, EMI payments, mobile recharge, and various new products of Dhani.

Dhani super saver Rupay virtual and physical card gives 5% assured cashback on purchases made with the card and is absolutely cost-free for the first month.

Installation count: 20,000,000+on Google Play Store and iOS

Download: Android / iOS

7. HDFC PayZapp

HDFC PayZapp

PayZapp is another one of the best digital payment apps in India and has payment options for all websites. With the help of this app, you are just one click away from booking your flight tickets, paying your utility bills, recharging your phone, recharging your TV cable, and completing various other transactions.

Installation count: 10,000,000+ on Google Play Store

Download: Android / iOS

8. Pockets by ICICI

Pockets By ICICI

Pockets by ICICI is an e-wallet that allows customers to use any bank account in India to fund their wallets and make payments. It offers mobile wallets that are user-friendly and extremely convenient to use. A virtual Visa card is used by this wallet that allows its users to complete transactions and make payments to any website or application in India. Exclusive packages and deals are given by several associated brands on this app.

You can use this app to make payments to pay your utility bill, recharge your phone, book flight tickets hotels, or movies, and send money to anyone in your phone book.

Installation count: 5,000,000+ on Google Play Store

Download: Android / iOS

9. MobiKwik


On our list of best digital payment apps in India, the next best digital payment app is MobiKwik. It is one of the best independent e-wallet apps that are present in India today. More than 25 million users are connected to it. The services provided by this app is very much unique. It allows its users to use credit cards, debit cards, net banking, and even doorstep cash collections to make transactions. Since the need for convenience is expanding throughout the world, MobiKwik has made associations with many online brands and merchants.

Another great feature of this app is its expense tracker. This feature allows you to track your expenses on every payment platform and set budgets for your expenditure. Your data is used to examine and control your expenses.

Installation count: 10,000,000+ on Google Play Store

Download: Android / iOS



The last one on our list of best digital payment apps is YONO SBI. This app was introduced by the State Bank of India to make all kinds of transactions starting from the payment of your utility bills to the recharging of your phone and making transactions with other bank users. This application is not only for SBI customers but also for every other person and is available in 13 other languages. It is a semi-closed prepaid wallet and has the feature to set reminders for money transactions, money dues, etc.

Installation count: 10,000,000+ on Google Play Store

Download: Android / iOS