Best UPI Apps in India 2026 – Safe, Fast & Cashback Friendly

Best UPI Apps in India 2026 Over the past few years, mobile app usage in India has grown rapidly, and mobile payments have flourished accordingly. Smartphones are no longer a luxury, but a necessity. From food delivery and e-commerce to fintech and Software as a Service (SaaS) applications, mobile apps are changing the way users pay.

To remain competitive, businesses must integrate reliable and secure mobile payment solutions. Transactions completed via smartphones are commonly referred to as mobile payments or mobile transfers.

With a plethora of payment gateways available, choosing the best one for Indian mobile applications is no easy task. Based on Sigosoft’s practical development experience, we have carefully selected a range of top-tier payment gateways suitable for Indian mobile applications, focusing on ease of integration, SDK support, price, and reliability.

Comparison: Best Mobile Payment Gateways in India

Payment gateway	Most suitable	Android and iOS SDKs	Payment methods
razor treasure	Startups and growth companies		UPI, bank card, wallet
Instamoho	small businesses		UPI, card
Paytm	Large consumer applications		UPI, wallet, bank card
PayPal	International payments		Cards, wallets
CCA venue	enterprise		More than 200 modes
Zakpe	Small and medium-sized enterprises		UPI, card
Jubao	High-traffic applications		Card, UPI
Cashless	Fast onboarding		UPI, card
India QPay	POS and Niche Market Uses		Card, UPI
Indian payments	Flexible integration		Card, UPI

1. Razor Treasure 

Razorpay is one of India’s best mobile payment gateways, especially suitable for startups and fast-growing businesses. It offers excellent value for money as it has no setup or maintenance fees. Razorpay supports UPI, credit and debit cards, online banks, and various major e-wallets.

At Sigosoft, Razorpay is often our first choice because it offers ready-to-use Android and iOS SDKs that allow apps to be up and running within an hour. It’s PCI DSS Level 1 compliant and provides instant dashboards, instant launch, and excellent customer support.

Best UPI Apps in India 2026
Best suited for: Startups, SaaS, e-commerce applications
. Mobile platforms: Android and iOS.
Major users: Airtel, Zomato, Zoho, Goibibo.

2. Instamoho

Instamojo is a very easy-to-use payment gateway suitable for small businesses and content creators. It allows merchants to receive payments even without a website, making it ideal for early-stage mobile applications.

It supports UPI, bank cards, online banking, and e-wallets, with quick setup and simple integration. Instamojo also provides payment links and a mobile device control panel, allowing users to manage payments anytime, anywhere.

Best UPI Apps in India 2026
Best suited for: Small businesses, creators
Mobile platforms: Android and iOS
Primary users: UrbanClap, Your Story

3. Paytm 

Paytm is one of India’s largest digital payment platforms, making it a good choice for applications with a large user base. It supports UPI, Paytm Wallet, bank cards, online banking, and Paytm Postpaid payments.

While Paytm boasts powerful features and a high success rate, its payment gateway registration process requires detailed KYC verification, which can be time-consuming. Paytm is an ideal choice for businesses looking to reach both Indian and international customers.

Best UPI Apps in India 2026
Best suited for: Consumer-facing applications;
Mobile platforms: Android and iOS;
Primary users: Swiggy, Lenskart, Urban Company

4. PayPal

PayPal is a leading global payments platform and one of the best payment gateways for mobile applications in India for international users. It supports multiple currencies and is widely trusted globally.

While PayPal integration may take longer compared to Indian payment gateways, it is a reliable option for freelancers who make cross-border payments and work with global clients.

Best UPI Apps in India 2026
Best suited for: International payment
mobile platforms: Android and iOS;
Primary users: Shopify, FreshBooks

5. CCA Venue

CCAvenue is a powerful enterprise-grade payment gateway from India, offering over 200 payment methods. It supports multiple currencies and languages, making it ideal for businesses with global operations.

Features such as smart routing, retry options, and fraud detection tools help improve the success rate of mobile app transactions.

Best UPI Apps in India 2026
Best suited for: Large enterprises
. Mobile platforms: Android, iOS, Windows.
Key users: Myntra, MakeMyTrip, AirAsia.

6. Zakpe

Developed by MobiKwik, Zaakpay is a reliable choice for SMEs and startups. It supports UPI, QR codes, bank cards, and online banking, and offers flexible integration options.

It offers a customizable checkout experience and robust security and compliance.

Best UPI Apps in India 2026
Best suited for: Small and medium-sized enterprises
Mobile platforms: Android and iOS
Primary users: Uber, IRCTC, Indiamart

7. Jubao

Juspay is the trusted payment gateway for many high-traffic mobile applications in India. Known for its superior performance and reliability, Juspay provides a seamless checkout experience and supports the unified integration of multiple payment networks.

Best UPI Apps in India 2026
Best suited for: High-traffic mobile applications
. Mobile platforms: Android and iOS.
Primary users: BookMyShow, redBus, Snapdeal.

8. Cashless

Cashfree is one of India’s fastest-growing mobile payment gateways. It offers quick registration, instant refunds, recurring payments, and international payment support.

Its highly customizable API makes it a popular choice for fintech and subscription applications.

Best UPI Apps in India 2026
Best suited for: Quick registration and refunds.
Mobile platforms: Android and iOS.
Major users: Puma, Zoomcar, Inshorts.

9. India’s QPay

QPay India offers secure and flexible digital payment solutions, including portable POS machines. It is PCI DSS certified and suitable for businesses requiring multi-currency and multi-language support.

Best UPI Apps in India 2026
Best suited for: POS-based mobile applications
. Mobile platforms: Android, iOS, Windows. Money Earning Apps

10 Indian payments

IndiaPay offers reliable, instant payment processing services with flexible integration options. It supports UPI, bank cards, and other payment methods and provides 24/7 customer support.

Best UPI Apps in India 2026
Best suited for: Custom integration.
Mobile platforms: Android and iOS.
Primary user base: Indian market.

FAQs

Which payment gateway is best suited for mobile apps in India?
Razorpay and Cashfree are among the best payment gateways for mobile apps in India because they are easy to integrate, have robust SDK support, and have a high success rate.

Which payment gateways support Android and iOS applications?
Most major payment gateways, such as Razorpay, Paytm, Cashfree, and Juspay, provide SDKs for Android and iOS.

What are the cheapest mobile app payment gateways in India?
Prices vary, but Razorpay, Cashfree, and Instamojo offer competitive rates that meet industry standards.

Do payment gateways support UPI auto-payment and subscription features?
Yes, payment gateways such as Razorpay, Cashfree, and Paytm support recurring payments and UPI auto-payment.

Final Thoughts

In India, choosing the best mobile app payment gateway depends on your business objectives, target users, and size. Startups may prioritize rapid integration and low cost, while larger enterprises focus more on reliability and compliance.