Too many UPI apps which one do you use - why its better

[littlefinger]

I started using UPI only lately, as tracking was messy with UPI for me . But now in the market there are lot of apps - clueless on which one to use.
I currently use the one provided by my savings back (icici) - yes is provides any name as label for upi id

Then used flipkart UPI linked to my UPI credit card - by default it pickedup my mobile number as label for upi id . But most transactions linked to creditcard fail as merchant is denying credit card based UPIs for me.

I have not used any other app to link my savings bank account for UPI transactions.

Any recommendations for a good UPI app which can offer cashbacks and not bloatware.

 

[Rajx99]

I’ve been using Paytm since the beginning, but it started taking an extra 1–2 seconds after entering the PIN (this was before UPI Lite was introduced). I got annoyed with the slowdown, so I switched to PhonePe, which worked smoothly. I kept using PhonePe until last month when I got the Slice card. Since then, I’ve been using the Slice app itself — you just enter the amount and pay instantly, no PIN required (I’m too lazy to enter the PIN, lol).

 

[gothillabro]

Google pay and amazon pay

 

[rajcasio]

Mostly SUPER.MONEY for tiny REWARDS. Something is better than nothing 😉
GPAY to keep track on some important transaction. IMO other apps are always confusing on this part.

 

[RAMESH BABU N]

Of late, I am actively using Slice, Kiwi and SuperMoney Apps. These are fast, clean n with better UI.

Gone into dis-use : PayTm, PhonePe n GPay.
All other Apps - uninstalled.

 

[runningfast]

Samsung Pay always, Super Money/Cred on rare ocassions.
Samsung Pay works smooth with clean UI and no hassle. Supports cards too for POS machine!

 

[RAMESH BABU N]

Samsung Pay (almost all versions) does NOT work on my Google Pixel 9 Pro.

Though internet search says it will work, practically it does NOT.

 

[aishwarya]

rn phonepay since its giving cb on every txn.
or supermoney it also gives on every merchant txn
and slice if above two over

PhonePe gives cashback?? What's the rate of cashback they are giving per transaction?

 

[kjs]

Of late, I am actively using Slice, Kiwi and SuperMoney Apps. These are fast, clean n with better UI.

Gone into dis-use : PayTm, PhonePe n GPay.
All other Apps - uninstalled.

which is the best amongst 3 , any data privacy issues in these apps .
I am looking for simplest one without any ads or bloatware . My Bhim account has UPI lite wallet linked to iPhone ,but now i use android and no access to iPhone hence I cannot access upi lite as it cant delete it for a closed bank account hence cant use BHIM

 

[RAMESH BABU N]

which is the best amongst 3 , any data privacy issues in these apps .
I am looking for simplest one without any ads or bloatware . My Bhim account has UPI lite wallet linked to iPhone ,but now i use android and no access to iPhone hence I cannot access upi lite as it cant delete it for a closed bank account hence cant use BHIM

Download n install all the 3 and use it for a couple of trxns on each. Then YOU decide. What is suited to your liking and what you expect from it.

My liking will certainly be different from that of yours. So, try for yourself and decide.

 

[blacktiger]

i use bhim, the ui is simple.

 

[Hope]

PhonePe gives cashback?? What's the rate of cashback they are giving per transaction?

it gave around 2month 1-10rs on all mer txn now nothing. account specific offer maybe

 

[sunit123]

which is the best amongst 3 , any data privacy issues in these apps .
I am looking for simplest one without any ads or bloatware . My Bhim account has UPI lite wallet linked to iPhone ,but now i use android and no access to iPhone hence I cannot access upi lite as it cant delete it for a closed bank account hence cant use BHIM

All 3 take complete control of ur phone and share with 3rd party also

Paytm does not collect or share details with 3rd party

On google playstore check data and privacy section of all apps

 

[SSQ]

All 3 take complete control of ur phone and share with 3rd party also

Paytm does not collect or share details with 3rd party

On google playstore check data and privacy section of all apps

It is better to check the terms related to that disclosure.
Don't provide wrong information to users.

 

[frugalSr]

if you are looking for cashbacks, they you will have to switch between apps with no transaction for few days so you get the cashbacks. if you want a clean UI and no cashback gpay and BHIM works perfect for me... for cashbacks i use cred upi and sometimes navi..

 

[sunit123]

It is better to check the terms related to that disclosure.
Don't provide wrong information to users.

Maine koi farsi likhi hain...yehi to likha hain, go and check data and privacy details on play store...what is wrong info

Bhai apne CA karli lekin angreji kamjoor hain apki

 

[SSQ]

Maine koi farsi likhi hain...yehi to likha hain, go and check data and privacy details on play store...what is wrong info

Bhai apne CA karli lekin angreji kamjoor hain apki

You have written three lines with a statement and then mentioned to check play store?

It seems you're expecting some reaction by making provocative comments.
This explains the kind of timid personality you have. Ignored, don't have time to respond to such low minded individuals.

 

[ALOAK]

Weekends bhim upi gives cashback i keep getting regular cashback received 3 times 20 inr . Irrespective of rupay linked or account linked.. it fetches right account once u scan QR but it depends on merchants if they have enabled rupay upi on POs or not sometimes when bhim fetches rupay card after scanning I seen it fails when u make payment that is when I know merchant has disabled rupay credit card on his pos and have to pay from savings account again by scanning bhim and select savings to clear.. mostly infound rupay card upi payment is accepted everywhere.

 

[Giyu-san]

Amazon Pay
I like it how they kept the scan and pay part of the app clean and simple.
Load the Amazon Pay wallet using a bank account or debit card when there is a cashback offer and then pay UPI (both scan and sending) from the wallet.
No need to enter a PIN which is a massive advantage.
Overall it is faster than using any other app which makes it extremely useful in crowded situations like buses, railway counters, etc.
Amazon gives coupons and cashbacks 2 out of 3 times that are quite useful. So overall twice the advantage.

Others that I have used and why I don't use them anymore.
GPay
The UI sucks. No wallet option. It is slow and there is no incentive to use it anymore.
PhonePay, PayTM
I hate the UI. Cluttered and confusing, they want to try to do everything through their app. No wallet.
BHIM
They keep spamming me with notifications I can't turn off. The UI is clean but sometimes the app becomes slow.
Mobikwik
Used it before I started using Amazon by loading its wallet using AMEX cards. Amazon gives better cashback and also there was a data leakage scare.

 

[ri3hi]

I got Twid Upi App its giving come coins lets see if any useful.

 

[kjs]

I got Twid Upi App its giving come coins lets see if any useful.

All 3 take complete control of ur phone and share with 3rd party also

Paytm does not collect or share details with 3rd party

On google playstore check data and privacy section of all apps

Yes that the reason I am refraining to use these apps now , can you suggest an bank UPI app that provides facility of custom UPI address . I am not interested in cash back , adds , bloatware . I checked Payzapp but that doesn't provide facility of custom UPI .. Imobile , but that app is too much heavy just for UPI. I don't have an account in ICICI as well so an overhead heavy App for UPI