Best Online Payment App in India


In recent years the growth of Online Payment has been increasing rapidly as people are using digital payment systems more often. With the increase of internet and mobile among the people, they are going for digital transactions as compared to previous years. So what is online payment?  It is basically an application which let a user to make online payment for their purchase of goods and services. It is known as E-wallet where user can pay through their account directly and no need of cash transactions. The main motive is to become cashless and promote digital payment through your mobile app.

The online payment has been increasing and people are looking for safe and secure way for it. Therefore people are using plastic money more frequently as it is secure and easy way to transfer money. There are so many payment applications through which we can easily transfer the money online. Choosing the best gateway for online transaction is not easy as there are some of the best application through we can pay online such as BHIM App, Paytm, MobikWiki etc.

Top Online Payment App


BHIM App stands for Bharat Interface for Money Application is an digital initiative taken by NPCI(National Payment Corporation of India) to make India cashless. After demonetization the BHIM app has become very popular. The application has recently launched by government in December 2016 and we can easily & quickly send money online. It is fast, secure and reliable for online payment through your mobile. So you have to first register with your mobile number and it will automatically connect to your bank account. You can make direct bank to bank transaction & also track your transaction details easily. And also by sending invitations & Referral codes to your friends and family you can earn exiting rewards on the App.


What you require to register your account

  • To link your account with your mobile number
  • Valid debit/credit card details
  • Register your account for mobile banking


Paytm is an easy and convenient platform for online transaction launched in August 2010. It is one of the most useful applications which allow users to access multiple features within a single application. The app is available for user to book tickets, DTH recharge and quick bill payment; these features are for mobile users only. One can also use it for sites like IRCTC, Dominos, online cab booking payment and instant payment to local shop.


How does it works

  • Register with your mobile number
  • Add money to your wallet with debit/credit card
  • Transfer money to any Paytm wallet


MobikWik is simple and fast online payment app and launched in May 2016. A customer can add money easily in the wallet and pay through the digital wallet. You can load your wallet with money and do not need to add debit/credit card details and it also offers instant transfer of money to friends and family.


It does not charge over any mobile recharge and very easy, save time and efforts.

 Oxigen Wallet

Oxigen Wallet is one of the major online payment service provider launched in January 2016.It allow the customer to send and receive money through an application. Oxigen Wallet is the first online wallet allow user to add cash in wallet and transfer money safely. It provides services like DTH payment, movie ticket booking, recharge etc. and we can send money to friends’ wallet or any bank account, anytime.

Oxigen Wallet

It let user to make secure payment anywhere and all the details are safely stored in it.


PhonePe is an online payment app which is launched recently in January 2017. In this we don’t need to exchange bank details, all you need to share your verify mobile number and bank name. Also the refunds from Flipkart and Myntra can be received into your PhonePe wallet. You don’t need to enter any details of debit/ credit cards and also not need to add money to wallet it will directly transfer from bank.

How to register for it

  • Open the app and verify your mobile number
  • Enter your name , email and 4 digit password to activate your wallet
  • Confirm your bank details and send or receive money easily.

Future of Online Payment App

Definitely future of online payment is very bright as many people prefer to buy and pay online. In recent years we see the rise in online payment system as it is more convenient for people and it is much faster and secure to use. The growth of mobile payment has increased as more users are satisfied with the service and using the digital payment more frequently. Online payments provide solutions according to customer needs and provide highest security. Social purchase and instant payment is increasing day by day and becoming very useful to the users, it will lead to digital growth of our country.

A large number of mobile app development companies have entered into the online payment system including big cities also have been using this for online shopping, bill payment, etc. The online payment trend is increasing rapidly and in coming years it will lead to a bright future of our country.

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