The UPI (Unified Payments Interface) is a service that has bridged the gap between banks and the user. This has forced people to make frequent use of banking services. Within minutes, a person with a bank account can create a UPI and send/receive money in real time. How is that possible? The UPI service will find a bank account within seconds based on the user’s phone number and bank name. Once you’ve found your account, simply create an UPI ID and share it with others.
The UPI is so intuitive and powerful that even influential people like Bill Gates, Mark Zuckerberg, etc. have appreciated it. Who can use the UPI payment service? No matter if a person has only a few hundred rupees in his or her bank account or a few hundred rupees, the UPI service is available to anyone with a bank account at one of the Indian banks.
You can use UPI applications to pay credit cards, electricity, gas, electricity bills, etc., to collect payments from customers, and so on. The main advantage of the UPI application is that the money is deposited directly into your bank account. If you are a business owner, you don’t need to count accounts at the end of the day, because bank applications can generate statements on demand. I have shared the list of the best UPI applications in India below:
Best UPI applications for Android and iOS
OHIM
The OHIM/Bharat interface for money was launched by the Government of India in 2016. It is currently one of the top five UPI applications in India. With OHIM you can create a free UPI ID in a few minutes. You can give this ID card to people whose payments you want to accept, or use this ID card to send money to anyone who uses the UPI service. The OHIM UPI application can also create a QR code and share it with other users. The most interesting feature of OHIM is that you can send money to people, even if you don’t know their account number. As with reversed phone numbers, OHIM displays the user name when you enter a phone number. Popular banks in India have launched their own version of the OHIM application for their customers. If you do not want to use the OHIM application, you can use your bank’s UPI application.
Google pay
If you are looking for the best UPI applications with cashback offers, you can use Google Pay. The Google application offers a scratch card that you can scratch for free by placing your finger on the screen and dragging it with you. The scratch card can have any cashback account or display the message next time Good luck. Google deposits money directly into bank accounts. He doesn’t need a wallet. It’s a great app, but sometimes it can’t find bank information from phone numbers.
The two above applications do not have an integrated digital wallet. If you are looking for a portfolio application + UPI, use the following applications :
Amazon pay
Amazon has integrated its UPI service with Amazon Pay. The e-commerce giant has not launched a specific or separate unified payment interface application.
If you use the Amazon UPI service, you get a nice discount from 10 to 300 rupees. New refund offers are introduced almost daily. The company will show you the amount you get back instead of offering scratch cards. Revenue refunds will be credited to your Amazon Pay wallet. Many popular portals accept payments with Amazon Pay.
PhonePe
PhonePe is the most popular UPI application on our list. It was launched by Flipkart, which is now part of Walmart. Like the other UPI applications, PhonePe offers the possibility to save on various online and offline services such as gas, Google Play reload, reload, etc. The PP informs the users about the expiration date of the cashback.
PhonePe has a function called On Switch that opens websites where you can make a refund when you purchase a service or product on a website and which you can check with PhonePe.
Why didn’t I mention PayTM?
Although PayTM is a very popular application, PayTM is a very large application. In 2016, the offer of refunds to users was discontinued.
Are the applications safe?
Yes, the above services allow users to enable password protection. You can also set them to unlock with your fingerprint.
Pay attention: Some of the UPI payment requests I shared above show the OHIM payment page. The user enters the PIN code to make the payment.
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