Online or digital payments establish their popularity among people more in the present time, as in the times of the COVID-19, individuals have begun finding ways of staying away from the human touch to save themselves from getting impacted by the Covid. But this is not the only reason to opt for digital payments; there are more other benefits also, such as they are fast and straightforward ways for making payment, which makes your shopping and banking more convenient. Now you don’t need to go to your banks frequently to deposit or debit even a small amount of money. You can easily make instant payments at any time from anywhere across the globe with the help of e-wallets or online payment applications. There are numerous digital payment applications that help you in making secure payments. Let’s know about the top 10 secure applications for online payments in India in 2022.
1. Google Pay
Google Pay is one of the best and most used digital wallets. With Google Pay, you can send or receive money with zero fees directly from your bank account to almost anyone; all you need to do is link your bank account on Google Pay with your registered mobile number. Google Pay is a safe app as it protects your money by safeguarding your account with your screen lock, such as your fingerprint or password lock.
PhonePe is a safe and secure digital payment application that meets all your payment and banking needs. It allows you to use BHIM UPI, your credit and debit card or wallet to recharge your mobile phone, pay all your service bills and make instant payments at your favorite offline and online stores. It also offers you the feature of buying a PhonePe Gift card for easy payments across 1 lakh+ leading offline and online outlets and across the PhonePe app.
Paytm is a widely recognized online payment app trusted by over 30 Crore Indians. With Paytm, you can do mobile recharges, Fastag recharge, DTH recharge, bill payments, movie tickets booking, and many more. Paytm also allows you to send & receive money from any phone number or bank account directly in your bank account.
MobiKwik is an excellent payment app that manages your all-day-to-day payment requirements in one place. You can easily make instant recharges, bill payments, DTH recharge, Offline QR payments, etc. Its credit limit is up to ₹30,000 which will help you to Spend Now & Pay Later! But the credit limit depends on your usage-the more you use, the more will be your credit limit. MobiKwik also offers you the facility of the fastest transfer of money from bank-to-bank account (UPI), wallet to wallet & card to the bank.
5. BHIM App
BHIM is one of the most popular online payment applications. BHIM (Bharat Interface for Money) is a UPI-enabled initiative to facilitate secure, easy & instant online payments through your smartphone. This app is easily compatible with Android 5.0 and above. The transaction limit on the BHIM app is Rs. 40,000 per transaction and per day.
6. YONO SBI
It is a mobile wallet application that had launched by the State Bank of India for their account holders. This app lets you shop, travel, pay bills, recharges, Invest, use UPI to transfer money, book movie tickets, and much more. With YONO SBI, you can do immediate fund transfer to new beneficiaries up to Rs 25,000/- per day. You can do many activities directly through the YONO app without going to your bank, these activities include Request Cheque Books, ATM Cards/Debit Cards, or using the emergency services to change ATM PIN, block ATM cards/Debit cards, or stop cheques.
7. Amazon Pay
This online payment service is owned by the Amazon company. If you have an Amazon account, you are ready to start using Amazon Pay as there is no additional registration required. It allows you the ability to utilize the payment methods previously connected with your Amazon Account to make payments for products or services on third-party merchant websites or apps.
8. HDFC PayZapp
PayZapp is a complete payment application by the HDFC bank, which enables the power to make payment in just one click. With PayZapp, you can recharge your mobile, DTH, and data card, pay utility bills, book flight tickets, buses, hotels, etc. It is a fast and secure app as it uses a proprietary technology that conducts three security checks for each transaction.
9. Airtel Thanks
The Airtel Thanks App is your one-stop platform for Airtel recharge, money transfer using BHIM UPI, online bill payment, DTH recharge, etc. It allows you to make digital payments through Airtel Payment Bank and provides you with Scan & Pay feature, which has BHIM UPI-based payment facility enabled at nearly 5L merchant points across India.
Razorpay is the great payment solution in India that permits businesses to accept, process, and disburse payments with its product suite. It supports over 100+ payment modes, including Credit and Debit Cards, Net Banking from top 50+ banks, UPI, Online Wallets, EMI, and NEFT/RTGS payments. At present, over 50,00,000+ businesses are utilizing Razorpay to accept and track domestic and international payments.