By IETeam UPI apps have become an essential part of daily life in India. Whether you are buying a betel leaf from a small road side shop or shopping at big mall you will get UPI scanner everywhere. From street vendors to the most high end stores it is very hard to find a place that does not accept UPI payment. The ease of scanning a QR code to make payments has made cashless payments easier and more common changing the way of shopping. In 2025 you will see many UPI apps dominating the Indian market.
Apps like Phonepe, Google Pay, and Paytm are leading the market share, making payments easy for millions of users across the country.
Apart from these above popular UPI apps the Governments’ BHIM app plays a key role in promoting digital payments, especially for the first time users thanks to its easy interface and support for multiple languages. Other apps like Amazon pay, cred, whats app payment have also added to the variety each offering unique features and rewards, cash back like options to attract users.
Now, we will check the most used UPI apps In India in 2025.
1. PhonePe:
PhonePe is one of the leading and the most popular UPI apps in India. Beyond payments, it also offers a host of other services, such as mobile recharge payments, insurance purchases, etc. We can also make utility bill payments through this app. It also has a user-friendly interface and is a secure payment source with a biometric login and a two-factor authentication system. The transaction limit through this app is around 1 lakh per transaction.
2. Google Pay:
For speed and convenient UPI transactions, Google Pay is the ideal choice. It is integrated with the android ecosystem and thus offers a seamless transaction method. It focuses predominantly on user security and it is also expanding its support for cross-border payments in chosen countries. The maximum transaction limit is Rs. 1 lakh and we can make up to ten transactions in a day.
3. Paytm:
Paytm is a major player in the UPI landscape in India and is one of the largest digital payment systems in the country. It offers an extensive range of financial services and is very popular among businesses for rendering seamless UPI and wallet integration. Users can pay for their transactions either through their Paytm wallet or through their bank accounts.
4. BHIM:
Bharat Interface for Money is an UPI app backed up by the government. The app is very easy to use and has a simple interface. This is a very reliable and a straightforward app and is developed by the NPCI. It allows users to easily switch between multiple bank accounts and is very fast to use as well. The transaction limit is Rs. 40,000 per day.
5. Amazon Pay:
Amazon Pay is no longer an e-commerce payment tool, but it is a completely functional UPI platform. The UPI app renders a seamless integration with the shopping services of Amazon and if the customers link it for their online shopping, it helps them with a quicker checkout process. By using this UPI app, users can also earn cash back and discounts on all of their Amazon purchases.
6. Mobikwik:
Mobikwik UPI tool offers an innovative approach to all the digital payment by offering users a buy now and a pay later feature. With the help of this app, users will be able to access their credits to complete their payments, and later settle the amount. It supports UPI payments, wallet, and credit card payments. The tool employs encrypted and two factor authentication payments with a transaction limit of Rs. 1 lakh per day.
7. ICICI iMobile Pay:
This is a robust UPI platform that combines both UPI and banking payments. IT not only offers payment solutions but also renders numerous banking services, making it all the more convenient for ICICI customers. With the help of this app, users will be able to manage their accounts, make investments, and use it for making payments. The tool offers enhanced security with the help of biometric login and also authenticates every transaction. Users can use the app to make their utility bill payments, make recharges and perform other services easily.
8. BharatPe:
BharatPe is an ideal partner to meet the credit needs of the users. It also offers businesses to scale great heights with its range of business loans. The best feature of this app is that it ensures that payments are accepted quickly and all transactions are secure and convenient for the users. Apart from making UPI transactions, it can also be used to make utility bills, pay credit card bills, avail loans, and get gift vouchers as well.
9. Axis Bank’s UPI app:
The BHIM Axis Pay UPI is an easy-to-use app that can be linked with any back account to send and receive payments instantly and in a secure way. The app can be used to make mobile recharges, to make monthly payments for utilities, etc., in a simple and secure way. The UPI serves as a one-stop solution to connect with multiple bank accounts, and it allows account holders to receive and send money using their Smartphone with the help of a single VPA or UPI ID.
10. CRED:
CRED allows its users to make payments using their UPI ID or their credit cards. The app also allows its users to manage their credit cards, pay bills, and also get rewards for making payments. Users have to simply scan the QR codes to pay the merchants. They can integrate the app with multiple credit cards and also utilize its spending analysis graph. It also offers credit scores from CRIF to help users avail loans seamlessly.
All of the UPI apps that we have listed here offer a very user-friendly interface and feature enhanced security features. Users are free to choose the app depending on their preference and enjoy a very efficient and convenient digital payment experience.