Best Online Recharge and Bill Payment Apps for secure payments

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Paytm

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Paytm is the e-payment brand of India’s leading mobile internet company One97 Communications. The payment app uses VeriSign certified 128-bit encryption technology for secure payments. The most noteworthy feature of this mobile wallet app is it comes with an option of opening a savings account with Paytm Payments Bank. After opening saving accounts PayTm will offer all the services like no minimum balance requirement, free digital transaction, and free virtual debit card. Moreover, you can keep up to Rs. 1 lakh of deposits and earn 4% interest every month on it. The payment app also offers a feature to buy or sell digital gold. To receive physical gold against Paytm digital gold, you just need to pay the making charges and request for delivery anytime after 24 hours. Shopping on Paytm is effortless Additionally, Paytm provides an option to bargain for each item.
Why Should You Use Paytm?
Payments made through PayTMs digital wallets in India are accepted almost everywhere across the nation. As a customer PayTM offers you various services through its digital wallets system. You can also use their e-wallet to make payments to numerous online merchants. One of the best things about this digital wallet is that it allows you to do much more than carry out your e-commerce transactions. Similarly, through their digital wallets in India, you can transfer money, travel, shop, and carry out many more transactions through PayTM.

PhonePe

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PhonePe is one of the wallet apps India supported by YES Bank which uses a mobile number or a unique payment identity for payments. Currently, it is working across 40 UPI enabled banks. The PhonePe app consists of multiple payment options and each possessing its own different limits. A customer can transact up to Rs.1 lakh per transaction. The phone pay wallet app offers facilities such as refunds and cashback to your bank account. PhonePe payment app helps a user to redeem cashback for mobile recharges, bill payments, and merchant payments. However, cashback is not transferable to other users. Android phones with Android 4.0 or above and iPhone with iOS 8.0 or above are compatible with the app                  
Why Should You Use Phonepe?                                                       

 You can do everything through this app, from UPI payments to paying through the PhonePe e-wallet, from QR code payment to paying through your debit  & credit cards. PhonePe is not just like any other digital wallets in India, it has many features in the app that make your lives easier. Get great deals and cashback on bill payments, food outlets, shopping, and much more through PhonePe.

MobiKwik

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MobiKwik is a secure prepaid wallet app. With MobiKwik, you can enjoy over more than 2,50,000 shopping options and earn huge discounts in the process. This Payment app can be used to recharge prepaid mobile, DTH, and utility bills. MobiKwik can be used to pay for electricity, gas, water, Municipal Corporation, loan, and EMI. To pay for the fuel, nearby petrol pumps, you can scan the QR code in the app. The facility is available at more than 1 Million neighborhood stores across the country. To avoid late payment, you can set up auto-recharge for mobile or DTH and get bill reminders before the due date. MobiKwik requires Android 4.0.3 and up and iOS 9.0 or later.
Why Should You Use Mobikwik?:

 Their e-wallet payment system enables you to recharge, pay bills, book travel tickets, and make third-party purchases through MobiKwik's digital wallet. Similarly, the digital wallet app allows you to buy digital gold, insurance, get a personal loan on MobiKwik, and you can also invest in mutual funds through one of the best digital wallets in India.

 

Freecharge

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Freecharge is one of the best online payment apps in India. This Snapdeal acquired company is launched in 2010 by Sandeep Tandon and Kunal Shah. The app is easy to use and has a lot of great offers to enjoy.
Initially, Freecharge was a recharge company that gave amazing cashback to customers. But now it has become a full-fledged mobile wallet. You can recharge your phones, pay utility bills, pay insurance premiums as well as send money to others. However, sending money is currently limited to Freecharge users only. The app also has some unique features such as auto-pay feature and virtual card features. Along with all these features, you can use Freecharge is an online payment app. You can also pay in shops and other places. 
Recently, Freecharge included UPI in its android app. Now, you can make all your payments using UPI also. Along with UPI, Freecharge also gives you the options of credit/debit cards, net banking and wallet money. This will give you a better idea of all the features of Freecharge.
Why Should You Use Freecharge?                                                   

 With an equivalent amount of coupons given for every recharge you make, it’s a great option to save while paying your bills online. Along with that their “Chat-n-Pay” service helps users chat and pay their friends and merchants instantly. Freecharge offers exclusive deals and coupons to the customers who use Free charges’ digital wallet.

Google Pay (Tez)

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Google Pay is a Google-owned digital payment app for India launched in September 2017 and renamed from Tez to Google Pay. This payment app is similar to BHIM. Google Pay works across all banks in India that support UPI. After successfully adding an existing bank account using UPI PIN, you can pay and receive money. You can do the transactions by providing either bank account, IFSC code, mobile number, audio QR code, and Tez UPI ID
Why Should You Use Google Pay?: 

 Send and receive money instantly in your bank account using Google Pay UPI.  You can easily send money to your friends, recharge your phone, pay bills and much more through Google Play. Google Pay is directly connected to your bank account and your registered phone number. This helps you save time that you would rather spend on reloading wallets and doing additional KYC which is generally required for other digital wallets in India.

Comments

  1. Saurav NegiMarch 11, 2020 at 10:08 AM

    I use none of them . I don't feel secure while using these application . Please help me out @beingdigitalcitizen

    ReplyDelete
  2. PreetiMarch 11, 2020 at 10:15 AM

    I only use Paytm for online transactions...and it is the best and secure application. But thanks for the information.

    ReplyDelete
  3. Amit KalpasiMarch 11, 2020 at 10:17 AM

    This GPay really sucks sometimes. In several occasions my transactions has got stuck.

    ReplyDelete
  4. LakshayMarch 11, 2020 at 10:26 AM

    Informative

    ReplyDelete
  5. UnknownMarch 11, 2020 at 10:38 AM

    I will definitely switch to one of these payment app after reading this ☺️

    ReplyDelete
  6. geetikaMarch 11, 2020 at 11:58 AM

    One of the best application is paytym 😘😘

    ReplyDelete
  7. Nikhil Ranjan ThakurMarch 12, 2020 at 6:27 AM

    The application such as phonepay and paytm are definitely secure ,, one may have a faith on these apps so use that without worry.........
    And these blogs by Shivani Sharma is too attractive to read ,, keep it going dear have a good day!!!!!

    ReplyDelete

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