In my experience living in India, I’ve seen firsthand how mobile payment apps in India have revolutionized the way we transact. As we move into 2025, the surge in digital payments has made these apps essential for everything from shopping to bill payments, enhancing convenience and security for users across the country.
In this article, I’ll highlight my top ten mobile payment apps that are making waves in India. Each app offers distinct features and benefits, catering to diverse financial needs and preferences. Whether you’re a seasoned user or just starting out, these apps will streamline your payment processes and enrich your financial experience. Let’s dive in!
1. Wise

If you want a payment app that’s fast, affordable, and trusted worldwide, Wise is the clear winner. With Wise, I can send money to over 70 countries, including India, at the real mid-market exchange rate—no hidden fees or inflated costs. You’ll appreciate its multi-currency account, which lets you hold, convert, and manage 40+ currencies with ease. The Wise debit card also makes spending abroad hassle-free and budget-friendly. Whether you’re supporting loved ones, paying bills, or handling international transactions, Wise ensures your money moves securely and efficiently. Join millions of users and discover why Wise is the leader in global payments.
2. PhonePe

PhonePe is a mobile payment and financial services company that controls 46.04 percent of the UPI payment industry in India. You can use PhonePe to send money, recharge your phone, make payments, buy digitally, book a flight, trade, and more. Moreover, you may connect your bank account to your PhonePe app to make payments online. Additionally, purchases can also be made using the PhonePe wallet, debit or credit cards.
3. Paytm
Paytm is a multinational tech-based company headquartered in India that specializes in digital payment platforms, e-commerce apps, and the financial sectors. It is one of the most widely-used mobile payment apps in the country that only ranks behind PhonePe and Google Pay in terms of market share. Using Paytm’s app, you can send and receive money, make purchases, instantly pay bills, recharge your phone and more.
4. Google Pay

Google Pay is one of the most renowned digital wallets in the world, and is the second-most used mobile payment app in India based on market share. Using Google Pay’s amazing app, you can make in-app purchases, buy online, pay bills or make in-store purchases. Moreover, this app also works on other Google devices as well, like smartwatches and tablets. As it is created by Google, it is quite an attractive choice for Android users due to its convenience and accessibility.
5. JioMoney

Make efficient, convenient, and safe digital payments on the go with JioMoney. Using one of the leading digital payment apps in the country, you can break free from the constraints of cash, and make seamless cashless payments at ease. With the powerful JioMoney UPI, you can send money or receive money through QR codes, pay at stores, pay bills and make other sorts of payments. Furthermore, you can also get a lot of great discounts, coupons, and deals using JioMoney.
6. Freecharge
Freecharge is a fintech company based in India that specializes in digital payments. Freecharge users can pay utility bills like as electricity, gas, and phone bills. Moreover, customers can also use this app to recharge their phone, broadband, and metro cards. Additionally, Freecharge allows its users to invest in mutual funds, offers coupons and discounts.
7. BHIM
BHIM is a digital wallet app based on the UPI system, created by the National Payments Corporation of India. Its goal is to encourage cashless payments by facilitating online payments directly through banks. Using the BHIM app, users can link different bank accounts and choose their preferred bank account for receiving payments. Then, the received payments are instantly credited to their specified bank account. Users can facilitate all this through using BHIM’s app.
8. Amazon Pay
Due to the surge in popularity of Amazon in India, Amazon Pay is now one of the most widely-used payment apps in the country by merchants. It enables users to make purchases of products and services from Amazon and other e-commerce websites using payment options registered within their Amazon account. Consumers may also use Amazon Pay to make bill payments, pay cellphone bills, send money and many other things. Moreover, its UPI services are offered by one of India’s most well-known banks, Axis Bank.
9. MobiKwik
MobiKwik is an online payment service that offers a phone-based payment system. Users can add money to their MobiKwik app in order to transfer it to another user. This digital wallet also offers features like bill payment, receiving payments, paying for purchases online and more. Created in 2009, MobiKwik provides financial planning and credit services to its consumers as well.
10. Airtel Thanks
Airtel Thanks is a mobile payment system that allows customers to send money, make bill payments, recharge cellphones, and buy online or offline inside India. Airtel Thanks was founded by Airtel Payments Bank to promote online payments and make payments a simpler process. Users don’t need a bank account to use this app, all they require is internet access and that’s it.
11. Pockets
Founded by ICICI Bank, Pockets is an Indian digital wallet app that will make mobile payments simple and affordable for you. It is one of the most extensive mobile wallets in India, allowing customers of any bank to pay anyone, purchase anywhere, and transfer money with ease. Pockets is India’s first app to support UPI and Bharat QR code payments. Moreover, Pockets app provides users with a completely free virtual VISA card that they can use to make payments and buy from any website or app.
Seeing the success these mobile payment apps and digital wallets have had since they were started in India, we can easily notice that most people prefer digital payments options offer physical ones. They save time and hassle, while allowing us to make payments within seconds, which also encourages customers to buy more and businesses to grow faster.