Best upi app

[yobro]

How would you rate payzapp in comparison to Gpay/phonepe?
I just used payzapp to make my 1st payment and interface was awesome.
What is ur review of the same?

 

[praful47]

Have never found it an issue. But perhaps some do. I personally think @jupiteraxis is easier to remember than shorter ones like @abfspay or @goaxb.

Paytm is more easy mobile@paytm

 

[joshuatree]

Paytm is more easy mobile@paytm

Certainly agreed. Amazon Pay's @apl is even easier. My comment was in reply to the feeling that one gentleman had that @jupiteraxis was too long. I think is easier to remember than shorter ones like @abfspay or @goaxb

 

[praful47]

Certainly agreed. Amazon Pay's @apl is even easier. My comment was in reply to the feeling that one gentleman had that @jupiteraxis was too long. I think is easier to remember than shorter ones like @abfspay or @goaxb

Ohhh ok ok

 

[iamdhamo]

Have never found it an issue. But perhaps some do. I personally think @jupiteraxis is easier to remember than shorter ones like @abfspay or @goaxb.

@upi by bhim is first and then I feel @paytm was very good.

 

[chinnodu]

I used the following UPI Apps;
Bhim
Samsung Pay
Payzapp

I find the functionality and interface of Samsung Pay best. The downside is, you get no rewards or returns.

Payzapp is good aa it comes with Smartbuy in it. We can earn 5% CB by spending in Smartbuy through wallet as well though you don't have HDFC CC or DC

Bhim is good in terms of its complete features and notifications about discounts on Rupay Card transactions

 

[myfinquest]

If you are an android user don't use Paytm or Cred. They will force you for SMS permission and then misuse it to profile you and sell you things. They read and (mis)use ALL you SMS to track each and every thing about you. iMobile Pay also forces you for SMS permission and refuses to even open without the permission. I use GPay because it needs SMS permission only once during setup and you can turn if off after that.

The best UPI app for me will be one which does not need SMS permission and gives me option to see and send the verification SMS manually like it does on iPhones. Yes, these apps work on iPhones without reading your SMS because it is impossible to do so on iOS.

They both work without SMS permissions, just remove it in Android Permissions Manager, then ignore the prompts from these apps. I have created a separate email just for CRED and wrote rules to redirect my statements . CRED can read from there and show me the bills in the app.

 

[joshuatree]

I used the following UPI Apps;
Bhim
Samsung Pay
Payzapp

I find the functionality and interface of Samsung Pay best. The downside is, you get no rewards or returns.

Payzapp is good aa it comes with Smartbuy in it. We can earn 5% CB by spending in Smartbuy through wallet as well though you don't have HDFC CC or DC

Bhim is good in terms of its complete features and notifications about discounts on Rupay Card transactions

Lots of folks talking about BHIM. Gotta try it!

 

[RAMESH BABU N]

@sbi, @dbs and @pz were my fav.

Now, @kotak is my fav n my default.

 

[gowthamv]

@sbi, @dbs and @pz were my fav.

Now, @kotak is my fav n my default.

Which app sir?

 

[RAMESH BABU N]

Which app sir?

Respective UPI Apps of
SBI bank, DBS bank, PayZapp, and Kotak bank.

 

[RAMESH BABU N]

I use only bank UPI addresses for all incoming transfer of funds.

Third party UPI Apps are used for all payments - online, offline n scan-n-pay.

 

[chandra.prakash]

Paytm is best if you use Rupay credit card for UPI payment...Reason: In my case, 90% merchant accounts are not recognized by other shitty apps like gpay, phonepe etc....Only paytm recognize the merchant accounts correctly and i can use rupay credit card to make payment...

Paytm Karo

Yes, also at time of payment 😀 f credit card option show them payment will surely success and if credit card not eligible for payment then card option not shown in Paytm at time of payment.

 

[Prime Carlsen]

They both work without SMS permissions, just remove it in Android Permissions Manager, then ignore the prompts from these apps. I have created a separate email just for CRED and wrote rules to redirect my statements . CRED can read from there and show me the bills in the app.

Agreed. At first, information asked from cred seems too much but most of it can be disabled easily. And the email itself is for more of a convenient feature which can be easily bypassed.

 

[Prime Carlsen]

I use only bank UPI addresses for all incoming transfer of funds.

Third party UPI Apps are used for all payments - online, offline n scan-n-pay.

Is there any advantage for bank UPIs for incoming?

 

[nits123]

Is there any advantage for bank UPIs for incoming?

failure rate of bank UPI is very less compared to 3rd party UPI apps....3rd party UPI apps have one more layer of connectivity with bank so chances of failure is more (Check customer reviews on Google play store).

Yes bank process 55% merchant transactions in india so i personally prefer yespay next after paytm fiasco (Allocating mobileno@ptyes as primary id and removing facility to check bank account holder name)..Paytm was my fav till they were processing their UPI payment through their Paytm Payment bank which had highest success rate among all the banks

 

[Prime Carlsen]

I tried payzapp for a while, but its UPI id has mobile number and customer care said it can't be changed.

Also a major drawback I felt after coming from gpay was lack of conversational transaction history. Payzapp has passbook but it falls short for keeping track of repeated payments from specific people/merchant.

Bhim has sms issue. Paytm and phonepe are too cluttered imo.

I an trying cred again for a while, after confirming that most permissions can be disabled without any issues. And added a direct scan n pay widget to avoid all the gambling shenanigans every time I need to make a payment.

Still open for suggestions. I think I read on forum that slice has good and clear interface. Can any using slice give a review about it? Permissions and UI wise?

 

[nits123]

I tried payzapp for a while, but its UPI id has mobile number and customer care said it can't be changed.

Also a major drawback I felt after coming from gpay was lack of conversational transaction history. Payzapp has passbook but it falls short for keeping track of repeated payments from specific people/merchant.

Bhim has sms issue. Paytm and phonepe are too cluttered imo.

I an trying cred again for a while, after confirming that most permissions can be disabled without any issues. And added a direct scan n pay widget to avoid all the gambling shenanigans every time I need to make a payment.

Still open for suggestions. I think I read on forum that slice has good and clear interface. Can any using slice give a review about it? Permissions and UI wise?

Cred is a serious threat to privacy (my personal opinion)....They take each and every permission under the sun.....At the time of signup, you need to provide explicit permission to them to access your credit report....If anyone who has access to your credit report then this permission cannot be revoked till you are using their service...Personally not comfortable with cred

 

[Prime Carlsen]

failure rate of bank UPI is very less compared to 3rd party UPI apps....3rd party UPI apps have one more layer of connectivity with bank so chances of failure is more (Check customer reviews on Google play store).

Yes bank process 55% merchant transactions in india so i personally prefer yespay next after paytm fiasco (Allocating mobileno@ptyes as primary id and removing facility to check bank account holder name)..Paytm was my fav till they were processing their UPI payment through their Paytm Payment bank which had highest success rate among all the banks

I agree with your first point, although never faced the issue personally so I don't consider it too high while deciding.

I didn't know about the merchant txn stat, very interesting that yes bank out of all leads it. After reading all the reviews here I will try it. I think someone said that it needs constant sms permission, let's see if that's the case.

 

[Prime Carlsen]

Cred is a serious threat to privacy (my personal opinion)....They take each and every permission under the sun.....At the time of signup, you need to provide explicit permission to them to access your credit report....If anyone who has access to your credit report then this permission cannot be revoked till you are using their service...Personally not comfortable with cred

I checked the phone permissions. I don't recall cred having permanent credit report, I will check that. Thanks for informing!

 

[pothi]

I read on forum that slice has good and clear interface. Can any using slice give a review about it? Permissions and UI wise?

Slice has a decent UI. We need to hold to scan a QR. Bit awkward at first until I became used to. Requires PIN/face/fingerprint to login. I am used to skip this step with GPay or PhonePe.

Slice requires SMS and it checks the permission once a day.

Slice already got approval to merge with NE SFB. So. I am betting on it for long term sustainability.

I only use slice with its PPI wallet (for UPI). Zero failures so far.

Like every other app, slice has its own cons. There is no way to give nickname to the recipients. No way to mark favorites. No ability to send a note along with UPI. We can make a personal note after completing the payment, though. All these are minor issues that can be improved later on. An important feature that I miss (compared to GPay or phonepe) is that there is no widget shortcut for a quick scan and pay.