I am Once again looking for a Perfect UPI App - Query & Discussion

[rimtesh]

These are my priorities in the same order
1. Fast payments and reliability
2. Option to turn off screen lock
3. Customisable upi id, and single upi id for all accounts
4. Default payment methods according to amount entered, I would want upi lite to be the default if amount is less than 100, if it's a merchant account and if rupay cc is accepted then rupay cc else my primary bank account

 

[Kushagra_]

really? may be i just want to pay for something n hide my name, why judge just coz of one usecase. reply if u can help than simply judging

Not judging, wanting to understand the usecase

 

[prem2311]

I think nobody discussed CRED app. It has very intuitive UI and super fast for payments. But no upi lite and wallet don't have upi option.

 

[Mr. BeanMr. Bean is verified member.]

I think nobody discussed CRED app. It has very intuitive UI and super fast for payments. But no upi lite and wallet don't have upi option.

As an UPI app, it is okay. But, for other things (such as CC payment), there is only one (main) issue with CRED. Filing a complaint (for any issue) in RBI Ombudsman is impossible as CRED (or Dreamplug Technologies Pvt Ltd) isn't available in the list of registered entities in RBIO site (at least when I checked last time).

Post in thread 'Be careful with CRED Payments - CRED paid to Wrong Card Account'

Mar 2, 2025

I’m unable to find Cred / Dreamplug Technologies on RBI ombudsman portal. It seems they aren’t a RE as per RBI’s definition.

Just checked. You are right. I can find PhonePe, Mobikwik, Slice, etc, but not CRED (Dreamplug). A big red flag for future CRED users.

An user from X also confirmed that CRED is not available in RBI RE list.



There is only one place where I saw Dreamplug was mentioned as (Online Payment Aggregator)....

Reserve Bank of India - Database

• Mr. Bean

• 

 

[Aniket]

but the person can see my name in his transaction history, that is the whole point(not about screenshot)

Use cash & mask on your face! 🙂

 

[prem2311]

As an UPI app, it is okay. But, for other things (such as CC payment), there is only one (main) issue with CRED. Filing a complaint (for any issue) in RBI Ombudsman is impossible as CRED (or Dreamplug Technologies Pvt Ltd) isn't available in the list of registered entities in RBIO site (at least when I checked last time).

Post in thread 'Be careful with CRED Payments - CRED paid to Wrong Card Account'

Mar 2, 2025

I’m unable to find Cred / Dreamplug Technologies on RBI ombudsman portal. It seems they aren’t a RE as per RBI’s definition.

Just checked. You are right. I can find PhonePe, Mobikwik, Slice, etc, but not CRED (Dreamplug). A big red flag for future CRED users.

An user from X also confirmed that CRED is not available in RBI RE list.



There is only one place where I saw Dreamplug was mentioned as (Online Payment Aggregator)....

Reserve Bank of India - Database

• Mr. Bean

• 

OMG. i didn't know of this. Thanks .

 

[prem2311]

As an UPI app, it is okay. But, for other things (such as CC payment), there is only one (main) issue with CRED. Filing a complaint (for any issue) in RBI Ombudsman is impossible as CRED (or Dreamplug Technologies Pvt Ltd) isn't available in the list of registered entities in RBIO site (at least when I checked last time).

Post in thread 'Be careful with CRED Payments - CRED paid to Wrong Card Account'

Mar 2, 2025

I’m unable to find Cred / Dreamplug Technologies on RBI ombudsman portal. It seems they aren’t a RE as per RBI’s definition.

Just checked. You are right. I can find PhonePe, Mobikwik, Slice, etc, but not CRED (Dreamplug). A big red flag for future CRED users.

An user from X also confirmed that CRED is not available in RBI RE list.



There is only one place where I saw Dreamplug was mentioned as (Online Payment Aggregator)....

Reserve Bank of India - Database

• Mr. Bean

• 

Nowadays, I am paying 20 cc bills per month on CRED. what's the best alternative apps without issues? Also with remainder like cred is any?

 

[rimtesh]

I think nobody discussed CRED app. It has very intuitive UI and super fast for payments. But no upi lite and wallet don't have upi option.

Payment is quickly processed in cred but their app is way slower when compared to paytm

 

[Mr. BeanMr. Bean is verified member.]

Nowadays, I am paying 20 cc bills per month on CRED. what's the best alternative apps without issues?

Unfortunately, there is no app without an issue.

You may keep using CRED, but just double-check the settlements. I have limited number of CCs. So, I don't use an app for bill payments or reminders. Currently, I mainly use HDFC SmartPay.