Beyond Transactions: The Best UPI Payment Apps with Exciting Additional Features

UPI payment apps

Unified Payments Interface (UPI) has revolutionized digital payments in India, offering a convenient and secure way to transfer money. While UPI is primarily used for transactions, several UPI payment apps offer exciting additional features that go beyond just payments. This article explores some of the best UPI payment apps in India that offer unique and innovative features to enhance the user experience.

What are UPI Payments? Do people prefer a UPI payment over cash?

Unified Payments Interface (UPI) is a real-time payment system that allows users to transfer money between bank accounts through their mobile phones. It enables users to make instant payments, pay bills, and perform other financial transactions using a single app.

People increasingly prefer UPI payments over cash for several reasons:


UPI payments can be made anytime, anywhere, using just a mobile phone and an internet connection. This convenience is especially appealing for digital-savvy users who prefer quick and easy payment options.


UPI payments are processed instantly, allowing for immediate transfer of funds between accounts. This is much faster than traditional banking methods, which can take several hours or even days to complete transactions.


UPI transactions are highly secure, with multiple layers of authentication and encryption to protect users’ financial information. This security feature gives users peace of mind when making transactions.

The Best UPI Payment Apps

There are several UPI payment apps available in India, each offering its own set of features and benefits. Some of the best UPI payment apps include:

Google Pay:

Google Pay is a popular UPI payment app known for its simplicity and ease of use. It allows users to send money, pay bills, recharge mobile phones, and make online and offline payments. Google Pay also offers rewards for transactions and allows users to earn scratch cards for making payments.


PhonePe is another leading UPI payment app that offers a range of features beyond just payments. Users can pay bills, buy insurance, make investments, and even order food directly from the app. PhonePe also offers cashback and rewards for transactions.


Paytm was one of the earliest adopters of UPI in India and offers a wide range of features. In addition to payments, users can use Paytm to book flights and hotels, buy movie tickets, and pay at offline stores. Paytm also offers a digital wallet and cashback for transactions.

Amazon Pay:

Amazon Pay, the payment arm of e-commerce giant Amazon, allows users to pay for purchases on Amazon and other partner websites. It also offers cashback and rewards for transactions, making it a popular choice among users.


UPI payment apps in India have evolved to offer more than just transactions, with many apps offering a range of additional features to enhance the user experience. Whether you’re looking to pay bills, book tickets, or earn rewards, there’s a UPI payment app that offers the features you need. It’s worth exploring these apps to see how they can simplify your financial transactions and add value to your everyday life.

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