Seeking Guidance: Choosing the Best UPI App in 2024

[VibhavBilgoji]

Choosing the Best UPI App in 2024​

I'm writing to seek your assistance in choosing the best UPI app for my needs in 2024. With the vast array of options available, making an informed decision can be overwhelming.


I'm primarily looking for an app that excels in the following aspects:

• User Interface: A clean, intuitive, and user-friendly interface that allows for quick and effortless navigation.
• Offers: Attractive cashback, discounts, and rewards on UPI transactions, bill payments, recharges, etc.
• Wallet Features: Robust wallet functionality with features like expense tracking, budget management, and investment options (if available).
• Card Facilities: Seamless integration with credit and debit cards for payments, recharges, and bill payments.
• App Performance: Smooth and lag-free experience with appealing animations (if used tastefully).
• Overall Experience: A positive and enjoyable experience that exceeds expectations across all features mentioned above.

To provide some context, I typically use Payzapp for UPI payments. However, I'm open to exploring new options that offer a better overall experience.
Additionally, if you could share any specific insights or tips on features, functionality, or hidden gems I may have missed, it would be incredibly helpful.

 

[SSV]

@S S V one suggestion/request whenever you attach any image. Can you resize it before posting? You can do this by dragging the image corners.

Done . .✅

 

[quino]

i understood now. i was adding more than 10k, for which they do charge 1.5%

Update: yesterday i was testing on friend's iphone his slice acc by adding 10k from my dc. was able to transfer out ~5k back to me (since only 5k in the first 24hrs upi)

today friend got a call from slice asking about whose card was used to add funds, friend gave me the phone to talk, the person was asking the full name, bank name of the card holder. then he was saying why are you using other's account to add funds, use own acc. then he was asking if the acc holder gave consent to the transactions, i said it's on iphone, face id is mandatory every time a transaction is done, these many security features are already there what more do you want. he said to open my own account, and not use friend's acc, i said i was just testing out features, charges etc basically exploring the features in app.

he was silent for some time. i asked if there was any restriction being placed on the account. he said investigation is ongoing & cut the call. immediately i opened the slice app to the below screenshot. i believe the funds are locked now. no solution.

 

[rafzy]

Can someone tell me what's the benefit of using slice wallet compared to Kiwi or Mobikwik or AmazonPay wallets?

 

[deep@vie]

Can someone tell me what's the benefit of using slice wallet compared to Kiwi or Mobikwik or AmazonPay wallets?

+1 ? ?

 

[panchabhut]

Can someone tell me what's the benefit of using slice wallet compared to Kiwi or Mobikwik or AmazonPay wallets?

Mobikwik keeping thrusting pop-up traps to get you to fall into their ZIP-shit. One moment of concentration loss and you are trapped. So definitely not the UPI app for the fainthearted.
Amazon has too much clutter in the home page and app takes time to load. Plus, there is no option to customise the wallet UPI ID - its always (mobile no)@amazonpay.
Slice - Simple app for quick small UPI payments. Easy activation. Customisable UPI ID. Can be used with mobile no & handset of your choice. Gives added option of virtual card for online payment.
Kiwi - not used.

 

[rafzy]

Mobikwik keeping thrusting pop-up traps to get you to fall into their ZIP-shit. One moment of concentration loss and you are trapped. So definitely not the UPI app for the fainthearted.
Amazon has too much clutter in the home page and app takes time to load. Plus, there is no option to customise the wallet UPI ID - its always (mobile no)@amazonpay.
Slice - Simple app for quick small UPI payments. Easy activation. Customisable UPI ID. Can be used with mobile no & handset of your choice. Gives added option of virtual card for online payment.
Kiwi - not used.

thanks for the info mate. Just 1 more Q, do we get rewards or points or anything using the slice dc for paying utility bills and stuff online?

 

[VibhavBilgoji]

Mobikwik keeping thrusting pop-up traps to get you to fall into their ZIP-shit. One moment of concentration loss and you are trapped. So definitely not the UPI app for the fainthearted.
Amazon has too much clutter in the home page and app takes time to load. Plus, there is no option to customise the wallet UPI ID - its always (mobile no)@amazonpay.
Slice - Simple app for quick small UPI payments. Easy activation. Customisable UPI ID. Can be used with mobile no & handset of your choice. Gives added option of virtual card for online payment.
Kiwi - not used.

well everyone already has amazon on their phones, so if you want one less app on your phone, then amazon pay isn't that bad of an option👍

 

[quino]

Update: yesterday i was testing on friend's iphone his slice acc by adding 10k from my dc. was able to transfer out ~5k back to me (since only 5k in the first 24hrs upi)

today friend got a call from slice asking about whose card was used to add funds, friend gave me the phone to talk, the person was asking the full name, bank name of the card holder. then he was saying why are you using other's account to add funds, use own acc. then he was asking if the acc holder gave consent to the transactions, i said it's on iphone, face id is mandatory every time a transaction is done, these many security features are already there what more do you want. he said to open my own account, and not use friend's acc, i said i was just testing out features, charges etc basically exploring the features in app.

he was silent for some time. i asked if there was any restriction being placed on the account. he said investigation is ongoing & cut the call. immediately i opened the slice app to the below screenshot. i believe the funds are locked now. no solution.

another update after talking to cc on app via chat. it seems the wallet is frozen due to fraud. not even suspicion of fraud. direct fraud. lol

 

[panchabhut]

well everyone already has amazon on their phones, so if you want one less app on your phone, then amazon pay isn't that bad of an option👍

I have amz app in one phone (Vi+Airtel SIM) and using slice in another phone (Jio+BSNL SIM), both having active wallet bal. comes real handy when you are traveling and network is not so great.

 

[panchabhut]

Update: yesterday i was testing on friend's iphone his slice acc by adding 10k from my dc. was able to transfer out ~5k back to me (since only 5k in the first 24hrs upi)

today friend got a call from slice asking about whose card was used to add funds, friend gave me the phone to talk, the person was asking the full name, bank name of the card holder. then he was saying why are you using other's account to add funds, use own acc. then he was asking if the acc holder gave consent to the transactions, i said it's on iphone, face id is mandatory every time a transaction is done, these many security features are already there what more do you want. he said to open my own account, and not use friend's acc, i said i was just testing out features, charges etc basically exploring the features in app.

he was silent for some time. i asked if there was any restriction being placed on the account. he said investigation is ongoing & cut the call. immediately i opened the slice app to the below screenshot. i believe the funds are locked now. no solution.

should not have transferred back. Then could have just said that you are students living together and you don't have smart phone and the money was loaded for mthly expenses.

 

[panchabhut]

thanks for the info mate. Just 1 more Q, do we get rewards or points or anything using the slice dc for paying utility bills and stuff online?

for online payment using virtual cad -1% cashback

 

[SSV]

Can be used
If you have nfc enabled phone, you can also wallet balance for tap&pay

For what transactions do we get CB?
I have done QR code payment using Slice account money.. didn't recieve any CB?

 

[panchabhut]

For what transactions do we get CB?
I have did QR code payment using Slice account money.. didn't recieve any CB?

virtual card - cashback
upi - no cashback

 

[SSV]

virtual card - cashback
upi - no cashback

oaky thank you ..

 

[varun__goel_]

For what transactions do we get CB?
I have did QR code payment using Slice account money.. didn't recieve any CB?

 

[SSV]

virtual card - cashback
upi - no cashback

yeah there only , I am checking..
It seems scaning QR code and paying thru wallet UPI doesnt earn any CB, seems have to use virtual DC to get CB

 

[varun__goel_]

yeah there only , I am checking..
It seems scaning QR code and paying thru wallet UPI doesnt earn any CB, seems have to use virtual DC to get CB

I always get cb when I pay on QR.

 

[SSV]

I always get cb when I pay on QR.

Is there any minimum payment? I
was the payment made from the wallet amount?
do you get cb immediately?

 

[varun__goel_]

Is there any minimum payment? I
was the payment made from the wallet amount?
do you get cb immediately?

I guess 100
Yes wallet amount
They give a little 10 sec game to play "slice &win"

 

[SSV]

They give a little 10 sec game to play "slice &win"

yeah they gave this game but I lost this game..
I never played this game.. how to play this??
and how much will we get ? is it 1% or some random like CRED