Best Payment Method Apps in India

India is a leading country in terms of digital payments. In 2021, India accounted for the highest number of real-time transactions at a whopping 48 billion.

A recent report has suggested that by 2026 two of every three payment transactions in India will be through digital payments.

The driving force behind the UPI adoption in India are fintech players that provide a variety of payment method apps for the end-users. The push to create a cashless economy has resulted in a great variety of payment methods that Indians can use to pay for a number of different services.

From booking tickets to online gaming, there is a payment method app that serves India’s every payment need. At different payment methods for online gaming sites are reviewed and rated. Quick and hassle-free payments are essential for an enjoyable online gaming experience.

And hence, reviewing the list of local payment methods offered is crucial when choosing the right online gaming site.

Here are some of the best payment method apps in India that can be used for paying for many different services including online gaming –


Paytm is one of the first in the long list of payment method apps that started the digital payment revolution in India. Established in 2010, Paytm has now grown to offer a number of services on their app.

Paytm offers a wallet, UPI payments, and a payments bank. While these are the methods using which a user can make payments from Paytm, the list of merchants that accepts Paytm is a lot bigger.

Paytm app can be used to pay for electricity bills, mobile recharge, train tickets, movie tickets, insurance, metro tickets, credit card payments and a lot more.

For online gaming sites that accept UPI, payments can be made using the Paytm app.


In recent years, PhonePe has grown exponentially taking over its major competition at the time, Paytm.

PhonePe is one of the 150 apps in the Play Store that support UPI payments. It is one of the most widely used and accepted payment method apps in India.

The convenience of UPI payments is what prompted many fintech players to offer UPI payment service through their app.

Easy to remember UPI addresses and a shareable QR code is one of the top features of UPI payments that makes it so popular among Indian users.

In addition to the UPI service, PhonePe also offers a wallet. Moreover there are endless offers like cashback and discounts for paying at big stores using PhonePe.

The payment method app also offers e-vouchers that offer a certain cashback on purchases from a variety of outlets such as Myntra, Pizza Hut, Flipkart, Swiggy, Dominos, Uber, and others.

Again, these vouchers can be bought using UPI or Debit/Credit cards.


BharatPe is different from Paytm or PhonePe where the fintech company is completely focused on UPI. BharatPe had a major influence in the acceptance of UPI among small merchants.

The fintech company came up with a QR code which would accept UPI payments made using any payment app be it Paytm, PhonePe, GPay, or AmazonPay.

An all-in-one QR code was a game changer for UPI adoption in India. Prior to BharatPe’s arrival, the QR codes at stores were usually from one of the big 3 – PhonePe, Paytm, GPay.

Payments from Paytm to a PhonePe QR code were a hassle and most of the time the payment would take 1 to 3 days to reflect in the merchant’s bank account.

An all-in-one QR code made it convenient for both customers and merchants to use UPI and this pushed digital payments even further.

The UPI network has two layers of security – consumer side and backend enterprise side. The consumer side has three authentication factors viz., device binding, KYC verification, and UPI PIN.

Whereas, the backend enterprise side security has deployed over 100 security protocols at different levels of a UPI transaction. The security and convenience of UPI payments and the variety of payment apps that offer UPI has made it the most used payment method in India.

Payment method apps such as Google Pay, PhonePe, Paytm, Mobikwik also use advanced encryption technology and the right security protocols to secure all the digital payments made using the app.

From booking tickets to the next concert in the city to paying at an online gaming site, payment method apps in India make it all possible with just a single tap.

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