Which is your favourite UPI App? and why?
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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.
Which app allows cc payment with rupay cc upi
Currently cred for rs6 per transaction
Daily 15+ transaction
So free ke 70+
not true about payment stuck part sometimes it shows failed and it is successful
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
paytm amazon phonepe mobikwik etc are bloated with random shit and ads and features. gpay also have weird things like mangoes messaging mini apps.
though not their fault also these apps need to make money somehow 💰
hoping for an option for custom upi id
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.
Phonepe was the flipkart product thats why they got customers with adhara kyc(now phonepe is a sperate entity )
Gpay launched as "Tez by Google" launched by india IT minister of that time so people take it as a government backed application
That's Why they have huge market cap
P.s. After acquisition of flipkart by walmart @$16Billion, Wallmart evaluate all the business (flipkart, myntra/jabong, Phonepe, Ekart etc) and Phoneph evaluated @ $7Billion.
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.
Phonpe has the simplest and fastest UI in my opinion
Amazon pay. It gives me more cashback and coupons than other apps.
Cred & Amazon CB (chillar use)
Phonepe for big amount
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?
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.
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