Which UPI app do you like most and why?

[DEEP_RAY]

Which UPI application do you use mostly and please let us know why also.

 

[TheTrickySid]

Paytm according to me.
It has the lowest failure rate what I've observed.

 

[mastervisa]

I don't use gpay, just because it is adamant on linking my account/txns with my email address.

 

[iajeet]

Paytm because of it's smoothness..and cashback and reward points..

 

[Aniket44]

paytm...
because...
1. lower failure rates
2. fast payment
3. user interface
4. most important Indian application

 

[Walter White]

BHIM (Low failure rate, simple no nonsense UI, Option to pay using CC)

 

[TheTrickySid]

4. most important Indian application

 

[amit]

View attachment 8492

there is no pure Indian fintech com.

 

[Chaitanya-a]

Which UPI application do you use mostly and please let us know why also.

Paytm works best for me. Gpay & Amazon Pay have the most failure rate.
Never opened PhonePe because of poor interface.
Recently using Cred (for cashback). It is working fine as well.

 

[TheTrickySid]

there is no pure Indian fintech com.

When did I say so??

 

[HC1337]

Amazon Pay just because I had got around 1600 cashback from it (in 4/5 months), and because my main spendings happen through them. Also idk if it might help with the Amazon Pay card, just using what I like the most.
Cons being can't see the remarks and the upi ids to whom you have paid and no dark mode.
Like the interface of Gpay the most and it also has bharatQR option.
Bhim being the most simple and IMO the best base app for the UPI ecosystem, and can have multiple bank accounts at once.

 

[Chaitanya-a]

Amazon Pay just because I had got around 1600 cashback from it (in 4/5 months), and because my main spendings happen through them. Also idk if it might help with the Amazon Pay card, just using what I like the most.
Cons being can't see the remarks and the upi ids to whom you have paid and no dark mode.
Like the interface of Gpay the most and it also has bharatQR option.
Bhim being the most simple and IMO the best base app for the UPI ecosystem, and can have multiple bank accounts at once.

GPay I agree is the best to keep records of your transactions. Very well managed app.

 

[HC1337]

I agree, but BHIM does a good job at displaying a transaction summary too. Amazon is kinda bad at it.
Haven't used PayTM or PhonePe because before UPI they had wallets and they required KYC (and PayTM has took some convenience charges for bill payments so I m still bummed about that), so I have not touched them since. Might give them a chance sometime in the future.

 

[Chaitanya-a]

I agree, but BHIM does a good job at displaying a transaction summary too. Amazon is kinda bad at it.
Haven't used PayTM or PhonePe because before UPI they had wallets and they required KYC (and PayTM has took some convenience charges for bill payments so I m still bummed about that), so I have not touched them since. Might give them a chance sometime in the future.

PhonePe I won't suggest. It has very bad interface. Paytm is smooth.

 

[Shivam]

Paytm hands down. Works smoothly, UI is pretty good compared to other apps.

 

[Rahul Gupta]

I use almost all the apps but i find gpay and samsung pay best. In samsung pay i just unlock my phn swipe up and click scan code(super quick process) and gpay for transactions history.

 

[panu24]

I have used GPay, AmazonPay, Paytm. In my experience Paytm worked almost everytime but same is not true for GPay and AmazonPay.

 

[Digvijay]

Paytm UPI is smoother among all followed by Phonepe, Google pay is slow and transaction failure too!

 

[Strange]

Gpay, Amazon Pay and Phonepe are third party apps.
Paytm is PSP & Issuer both, I think due to this Paytm has low failure rates and It provides detailed info of receiver like bank name and account last 4 digits. So, Paytm is my favorite UPI app.

@Abhishek012 Enlighten us about UPI apps. 😉

 

[Vikash_Kumar]

Amazon/kotak scan pay