Harrier Information Systems Pvt. Ltd. (CIN.:-U72200MH2004PTC145816) specializes in providing perfect software solutions for the global financial services and Healthcare industries.

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Top Mobile Payment Apps in India

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Paying for traveling to shopping has never been more convenient than by using mobile payment apps. To make our country cash-free, payments through mobile apps is one of the best solutions. And it has made our country take a step towards Digital India.

It also reduces the risk associated with carrying cash. Now there are no worries of lost or stolen cash. On the other hand, swiping or inserting a card is the time consuming, but paying with your mobile app is easier and faster.

As mobile payment apps use advanced encryption to mask the account numbers during the transaction process, payments through the mobile payment app are considered to be more secure than card-swiping by many experts.

Since there are many mobile payment apps available, we have come up with a list of top mobile payment apps on the basis of their popularity, security and ease for the transaction.


Bharat Interface for Money (BHIM) is an Indian mobile payment platform which is developed based on the Unified Payments Interface by the National Payments Corporation of India (NPCI).

This mobile payment application was launched by the honourable Prime Minister of India. BHIM is a UPI enabled initiative that lets you make a fast, easy, secure digital payment transaction through your mobile phone.

BHIM is a mobile payment platform that allows you to do quick bank-to-bank payments transactions. With the help of Mobile number or Virtual Payment Address, you can Pay and collect money using just UPI ID.

BHIM allows Scan & Pay facility. Now, BHIM is available in many languages, i.e., English, Marathi, Hindi, Bengali, Haryanvi, Marwari, Malayalam, Bhojpuri, Telugu, Tamil, Kannada, Gujarati, Odia, Manipuri, Assamese, Konkani, Mizo and Khasi.

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Paytm has become a household name today. Paytm gained popularity over the other mobile wallet apps by providing key features to its users. From mobile phone bill payments to electricity bill payments, to grocery shopping or travel payment, this app made all kind of transaction hassle-free. PayTM is now a payments bank.

In recent news, during the Coronavirus pandemic, Tata Starbucks got associated with Paytm allowing its customers to order food online.

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Payment, integrated with the trust, Safety and technology, is what this Mobile payment platform is all about.

Now you can pay anyone instantly just by knowing their phone number. No need of receiver's bank account details. PayTonic Mobile payment app makes your money transfer experience easy & seamless. It’s completely reliable and trustworthy “Made in India App”

With the help of PayTonic App, you can Pay your family, friends & even your neighbourhood store seamlessly. Even a receiver can receive money on a feature phone, without having a Smartphone. Its works on Feature phone as well

PayTonic is a mobile-based payment service. It gives the facility of an Account to account & Card to account service. It accepts all electronic payments like Debit card, Credit card, Net Banking, Wallets & UPI

Consistently, PayTonic is becoming a part of the digital payments ecosystem.

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Google Pay:

Google has come up with a digital payment platform. An online payment application has developed to power in-app and tap-to-pay purchases with your mobile devices.

Without any hurdles you can make UPI transfers, mobile recharges, bills or payments to businesses. In addition to this, Google pay service also supports passes like boarding passes, any coupons, movie tickets, public transportation tickets, event tickets, store cards, student ID cards, and loyalty cards.

If you make any transaction using Google Pay, it involves direct withdrawal through the bank accounts and direct transfer. Google Pay also gives an opportunity to its users to earn rewards for every transaction.

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PhonePe is a combination of both Google Pay and Paytm. Many facilities are given to the user by PhonePe like paying utility bills, mobile to DTH recharge, your credit card bill, insurance premium, sending & requesting money, etc. You can take the benefits of all these features and more on this app.

Over 10 million merchant outlets across 300+ cities in India accept PhonePe as the payment option. PhonePe allows merchants to accept their payments through all UPI-based apps, wallet, debit and credit card.

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