Top Payment Apps To Manage Your Finances

The digital payments ecosystem is growing rapidly with more players entering the market. There are now close to 200 digital payment apps in India alone.

As a user, you need to pick an app that meets your needs from the ease of usage to security and privacy. In this article, we list the top payment apps in India that you can use to manage your finances better and reduce the stress of managing bills and expenses on a daily basis.

These apps offer features that make it easier for you to pay bills, track your expenses, and even save money on transactions. Read ahead to know more…

Google Pay

Google Pay is a digital payment platform by Google that lets you make purchases at physical stores or online websites. Google Pay supports both Android and iOS devices, as well as desktop browsers.

You can use Google Pay to make online payments, receive money, and shop online using your existing credit or debit card details. In addition, Google Pay also provides other features like travel assistance, which can help you in case of an emergency while traveling.

Google Pay is your one-stop solution for digital payments. Google Pay Security – Google Pay is secured by using tokenization, which means that your actual credit or debit card information is not shared during the transaction.

Google is also working with banks to get your account balance and other details directly on the app.


Freecharge is an app-based digital wallet that lets you make secure and convenient online transactions. The Freecharge wallet app is available for Android and iOS users, and you can also generate a paperless coupon for the same.

Freecharge also has a gift card store where you can buy gift cards from various stores such as Amazon, Flipkart, Myntra, Foodpanda, Swiggy, BookMyShow, and many more. You can also earn cashback and rewards from the app.

Besides being a secure and easy-to-use app, Freecharge also offers a balanced portfolio of features for users. The app features a quick recharge option, which lets you recharge your mobile number with a few taps. Besides, you can also pay your bills and make online payments with Freecharge.


Paytm is one of the most popular digital wallets in India, and it has been around since 2010. This app is available on both Android and iOS, and it allows you to make online and offline payments as well.

Besides being a payments app, Paytm also offers a travel booking service, a digital wallet, and a mobile-first financial platform. Besides being a one-stop destination for making payments, Paytm also lets you earn rewards just by using the app.

You can redeem these rewards on mobile recharges, gift vouchers, and more. Besides, the app also lets you manage your finances and track your expenses.


MobiKwik is another app-based wallet for digital payments. This app is available for both Android and iOS users, and you can use it to make both online and offline payments.

MobiKwik also enables you to transfer money to your friends and family and even makes it easy for you to send money as a gift on special occasions. MobiKwik also allows you to manage your finances better by tracking your expenses and setting budgets.

You can also earn rewards and cashback on the go. Besides being a great digital wallet app, MobiKwik is also secure and lets you add an extra layer of protection with your fingerprint.

Bhim App

The Bhim app is a mobile application developed by the Government of India and is the country’s first app-based financial services platform. The app lets you make electronic payments, transfer funds, and even withdraw money from your bank account.

Besides being a payment gateway, the app also lets you transfer money to your family and friends, and even book a taxi.

You can also use the app to recharge your mobile, get information about your bank accounts, and update your account details in a few easy steps.

Amazon Pay

Amazon Pay is an easy and secure payment platform that lets you shop online at Besides, you can also use the app to make other online payments.

Besides letting you shop online, Amazon Pay also allows you to receive money directly into your bank account. You can also set up a gift card account on the app to let your family and friends send you money instantly.

Besides making payments and receiving money, you can also use Amazon Pay to track your orders and manage account settings.

B2B Payments

B2B payments are digital transactions between businesses and contractors. Since these are peer-to-peer payments, you don’t need to sign up for a wallet or a digital payment app.

B2B payments can be either done through an e-commerce portal or through a bank account. Banks have their own B2B payment solutions that are made especially for businesses.

Besides being a secure and easy-to-use app, B2B payments also offer a wide range of features for users. The app allows you to send money instantly, track the funds being transferred, and even keep a record of your transactions.


Snappy is an online payment gateway that enables you to pay your bills. Besides, you can also send money to your family and friends. Besides being a payment gateway, SnapPay also offers a mobile wallet that lets you make digital payments.

You can use the mobile wallet to do recharges, pay your bills, and even shop online. Besides making digital payments, SnapPay also allows you to manage your finances by setting budgets and tracking your expenses.

Final Words

Digital payments are the future and will continue to grow with each passing year. As a user, you will see more features being added to your app, which will make your financial life even easier.

We hope that this article helped you pick the best payment app for your needs. If you have any feedback or suggestions, do let us know in the comments section below!

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