Top 4 UPI Payments App of 2021

Unified Payments Interface (UPI) has to be one of the greatest success stories of the Indian payments infrastructure, as the system has succeeded to capture 73% market share of all digital transactions volume within five years. Back in 2018, UPI had a mere 9% share of all digital payments, which was massively controlled by debit and credit card payments, besides internet banking.

According to the recent report, UPI payments grew 93% year-on-year to over INR 41 Lakh Cr. Notably, UPI processed transactions worth INR 4.25 Lakh Cr in February 2021, almost doubling from INR 2,21 Lakh Cr from last year. The UPI transaction volume also grew from 1.32 Bn to 2.2 Bn in the same time frame.

During the year 2020, the maximum number of digital transactions took place in the country, surpassing countries like the USA and China. However, there are many UPI apps available and sometimes it becomes a tough decision to choose one considering their user experience as well as security

Here are our top 4 best UPI apps that are providing a great user experience and taking care of security issues:


vCard is the First Mobile Credit Card app that allows UPI Payment instead of Master-Visa thus allowing P2M as well as P2P payments to over 150 mn acceptance network. Mr. Vishal Ranjan is the Founder- CEO of vCard. Powered by RBL Bank, vCard is also an on-demand credit line up to Rs. 5 Lakh, which can be converted to EMIs 15%. Unlike regular credit cards, vCard can be set up instantly, allow WhatsApp Instant Customer support and meaningful vouchers/ cashbacks instead of complex reward points. vCard, as a Mobile Credit Card with UPI, challenges the plastic credit card to construct globally, particularly in India where it has a penetration, by reducing Origination, Service, and Collection costs by 10x, offer non-MDR based revenue models and reach 100x acceptance network with personalized customer gratification than esoteric reward points. You can also use this app to Pay for Rs 40 grocery to Rs 40,000 for rent.


Paytm is India’s one of the largest mobile payments and commerce platform. It help you transfer money instantly to anyone at zero cost using the Paytm Wallet. This money can then be used to pay seamlessly at several places like taxi and autos, petrol pumps, grocery shops, restaurants, coffee shops, multiplexes, parking, pharmacies, hospitals and kirana shops among others.You could also use it to pay for online recharges, utility bill payments, and book movie or travel tickets among other things on the Paytm app or website.

Google Pay

Google Pay, earlier known as Google Tez, lets you send and receive money online using four different methods — UPI ID, phone number, bank details and bar code. It allows you to do online shopping, mobile recharges as well as make payments at offline stores. The app enables contactless payments and supports regional languages, so you can choose to access its features in your native language.


Bharat Interface for Money (BHIM) is a payment app that lets you make simple, easy and quick transactions using Unified Payments Interface (UPI). You can make direct bank payments to anyone on UPI using their UPI ID or scanning their QR with the BHIM app. You can also request money through the app from a UPI ID.

Written by Trendated Staff