List of payment apps for your smartphone

Science

26 Aug 2018

#TechBytes: Top 5 payment apps for your smartphone

India has seen major push towards digitization of currency with government decisions like the demonetization and programs like Digital India, urging more and more Indians to go cashless.

Capitalizing on this market created by the demonetization, a plethora of start-ups and other companies have come up with digital wallets.

Here, we list the 5 best mobile wallets/payment apps for your smartphone.

Paytm

Paytm, India's favorite mobile wallet

Paytm, India's favorite mobile wallet

The Noida-based start-up, Paytm is absolutely versatile and is now an e-commerce giant and a payments bank too.

The app offers a bunch of features from booking flights, trains, movies, events to recharging your DTH, paying off your loans and credit cards.

Paytm was one of the early players to provide cashbacks on transactions and made us accustomed to scanning QR codes.

MobiKwik

MobiKwik gives you Supercash in your pocket

MobiKwik is a Gurugram-based independent mobile wallet service which has partnered with a lot of retailers across the country to provide hassle-free payments.

MobiKwik credits Supercash which can be redeemed on your next recharges, bookings etc.

The easy-to-use, cross-platform app also allows transfer of money to other bank accounts, and allows third-party payments, all with one tap.

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Amazon Pay

Amazon Pay, the mobile wallet by the Amazon

Amazon Pay, the mobile wallet by the Amazon

Amazon Pay offers a plethora of features like recharging your DTH, mobiles, buying Gift Cards, etc., and offers discounts and cashbacks across many services.

Amazon Pay allows checkouts on Amazon using your wallet balance, and also offers fast refunds if such a scenario arises.

Additionally, it lets you buy products at no cost EMIs when you pay through Amazon Pay wallet.

PhonePe

PhonePe gives you amazing offers

Flipkart-owned PhonePe is a multi-instrument payment service that allows users to pay via debit cards, credit cards, UPI and wallet.

Additionally, it has partnerships with several brands like CCD, Apollo Pharmacy, Cleartrip, Flipkart, Faasos etc., and provides amazing cashbacks and offers.

The app has fast POS and lets you scan and pay quickly through QR codes.

Even UPI-based payments are seamlessly fast.

LazyPay

LazyPay, book now and pay later

LazyPay, book now and pay later

LazyPay, a mobile wallet powered by PayU has collaboration with a number of merchants like Zomato, Swiggy, Box8, redBus, PVR Cinemas, Reliance Energy, etc. and allows bookings and orders with 'pay later' options.

The unique app generates a statement twice a month and users have to pay back within 3 days after a statement has been generated to avoid any penalties or account discontinuation.

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