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Paytm vs PhonePe vs Google Pay: Which is India’s best payment app?

A mobile payment app is the easiest way to pay for goods and services thanks to all the technological advances. The availability of payment apps has greatly simplified our lives, and there are numerous options in the market to choose from. Paytm, PhonePe, and Google Pay are some popular ones in India. But, which one of these is the best? We evaluated these apps based on four important factors – user interface, payment facility, speed of the app, and ease of recharge/billing. Here are the results.

User Interface

Paytm is an app that is easy to use thanks to its simple icons, words, and overall design. Simple interface makes it easy for even a first-time user to use. While Google Pay shows your contacts and bills that you can pay, the overall user interface isn’t as well-categorized as Paytm and can be difficult for a first-time user to understand. Finally, PhonePe’s interface is quite similar to Paytm’s, so the overall design is simple, but it’s not as neat and spacious as Paytm’s. So, Paytm is the clear winner when it comes to user interface.

Payment Facility

With Google Pay, you don’t get a wallet option like with the other two apps, so money is taken directly from your bank account during payments. Paytm and PhonePe, on the other hand, offer a wallet and UPI functionality as well as the option to make payments via credit card, debit card, as well as net banking. Paytm’s wallet, however, is far more popular than PhonePe’s and it has a lot more users than PhonePe, making Paytm the winner once again.

App Speed

Let’s now take a look at the fastest app for making transactions? There have been complaints about Google Pay’s pending transaction issue, which is quite frustrating. First-time Google Pay users may find it challenging to make a payment. Paytm and PhonePe, on the other hand, are far easier to use. From the video, it is clear that Paytm is faster than PhonePe when it comes to overall transaction speed.

Ease Of Recharge/Bill Payments

The interface of Google Pay is quite cluttered, making payments difficult for users. Paytm and PhonePe both have clear user interfaces, so they already have an advantage over Google Pay. In addition, they have an automated bill payment system which automatically pays the bills before the due date. Paytm and PhonePe both win this round.

Despite the fact that Google Pay and PhonePe hold their own well in the payment app market in India, Paytm outperforms the two in terms of its overall user interface, app speed, and payment options.

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