Which is your favourite UPI App? and why?

Paytm

1. Fastest 

2. Can check balance while sending money (most imp)

3. Best ui (atleast for me)

4. Shows the name of beneficiary's bank to which money is sent

5. You can see your bank account number and ifsc  if needed

apay
Smooth transactions + Instant Credit Card Payments 😊

Paytm for offers if available.

Phonepe for simple ui.

Google pay moderate.

Not used much.

Rest apps not used.

CRED was good before they replaced chindhi chillar cashback with useless Bread coins. Now any app allows payment via RuPay CC UPI is "good" I guess. BHIM is crashy and unstable. Paytm, Payzapp, GPay (if you want Axis Ace invite), Amazon Pay for some useful rewards although most of them are useless, like 2-3 years ago when Amazon Pay gave huge cashbacks.

Phonepe never faced any upi transaction stuck issue there

Paytm for instant and cred for bheek (1/2₹)

Currently cred for rs6 per transaction

Daily 15+ transaction

So free ke 70+ 

BHIM UPI ( sending large ammount) 

Simple and payment never get stuck...

I have been using new payzapp recently working quite smoothly

• The  ui is also nice and there are not many unnecessary features (shop thing is also not that bad and is separated)

• there are no random rummy etc ads.

• there is also no messaging system and the points system is also straightforward without weird conversion rate or tnc

• no credit / buy later promotion or hidden application

• in case of an issue if needed i mail hdfc on preferred mail id been way better than paytm or non existent gpay customer support

though not their fault also these apps need to make money somehow 💰

hoping for an option for custom upi id

Phonepe - Zero issue

Paytm - For chillars

Phonepe, GPay and paytm is most used UPI apps with 90+% coverage.

Personally, I never understood how phonepe and gpay got customers. They have nothing to offer except UPI (of course now a days the have few other things as well, but still not that useful). I don't like an app just for UPI payment.

My favorites are paytm and Amazon. And then payzapp too. These are much more than just a UPI app.

Used to be Paytm. Very reliable of course but the best part was once verified UPI payments worked even if the registered SIM wasn't present in the device. Amazon Pay by default seems the best as at times no re-verification is demanded even after app data is cleared but for a few years now merchant payments mostly fail in my case for whatever reason. 

Paytm

Best feature

While Sending IMPS/ Neft Bank Transfer it doesn't ask Name of the account holder but it Auto fetches the Correct Adhaar Card/ Account Holder name. So if anyone doing fraud or by mistake giving wrong account name it will be caught.

Fave App by PineLabs

payzapp

fast, nice & simple UI

i feel other upi apps are bloated with unnecessary features

Mobikwik used to be pretty bad in terms of demanding SIM re-verification rather frequently but today just an IC SMS was sufficient for the same! I wish other apps would adopt this change.

paytm upi is best . Sabsi accha baat hai isme beneficiary delete ho jate hai

Phonpe has the simplest and fastest UI in my opinion

Amazon pay. It gives me more cashback and coupons than other apps.

Paytm there are many offers and cashback as well gpay is worst

Madi in india is best

Cred & Amazon CB (chillar use)

Phonepe for big amount

Paytm for quick payment.

Paytm is the best.

Used phonepe before, which is great as well.

Gpay is the worst.

Amazon Pay:

Because don't need to install any other app (removed PhonePe, Paytm, Gpay chindi)

Paytm. just have to long press and then select scan. that's it. no entering pin, waiting for the bloated app to load and stuff. 
bhim - for reliability

Mostly phonepe due to its simple and convenient UI

Why isn't CRED pay mentioned here?

Paytm, best offers and easy of transactions and customer care service is best

I use paytm by default as I also have food wallet associated with it. 

Apay is used occasionally if there are offers. 

Gpay  - for paying via SBI CC for bigger amounts in case of bharat QR.

Uninstalled phonepe long back as there was no use. Above 3 are more than enough for me. 

FYI, I had set up a merchant account for my parents. Most payments are via phonepe followed by gpay and then paytm.