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Google Pay alternatives: 5 apps ranked by verified data

Facts checked Nov 8, 2026AppBreakup editorialHow we rankAll digital wallet apps

Top picks

Common reasons people leave Google Pay: india only; other countries use Google Wallet instead, and no travel or movie ticket booking like Paytm. We ranked 5 alternatives by how directly each one replaces Google Pay, then by reviews, real visits and how recently each app's facts were checked against its own website. WhatsApp currently ranks first.

Quick comparison

#AppPricingVerified priceOpen sourcePlatformsVerified factsScore
1WhatsApp logoWhatsAppFree—NoWeb, Windows, macOS +26 of 667.6
2CRED logoCREDFree—NoAndroid, iOS4 of 464.8
3MoMobiKwikFree—NoAndroid, iOS, Web3 of 361.8
4PhonePe logoPhonePeFree—NoAndroid, iOS4 of 442.3
5BHIM logoBHIMFree—NoAndroid, iOS5 of 537.8
  1. WhatsApp logo

    1. WhatsAppTop pick

    Best for: Anyone who wants to reach friends, family and businesses on the messenger they already use

    FreeWeb, Windows, macOS, iOS, Android

    67.6

    score / 100

    Why switch from Google Pay

    WhatsApp's built-in UPI payments in India let you send money inside the chats you already use, without a separate app.

    Pros

    • Almost everyone in many countries already has it
    • Chats and calls are end-to-end encrypted by default
    • Reliable group chats, voice notes and group video calls

    Cons

    • Owned by Meta, which collects usage metadata
    • Requires a phone number to sign up
    • Ads and Meta AI are creeping into the app
    Visit WhatsApp Details and reviews
    How this score is calculated
    Editorial fit ×0.346
    Reviews ×0.363
    Clicks (90 days) ×0.15100
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is WhatsApp a good Google Pay alternative?

    Verified facts

    6 of 6 verified
    Price
    Free
    Checked Nov 8, 2026whatsapp.com(opens source in a new tab)
    End-to-end encryption
    Yes, by default
    Checked Nov 8, 2026whatsapp.com(opens source in a new tab)
    Group size
    Up to 1,000 people
    Checked Nov 8, 2026whatsapp.com(opens source in a new tab)
    Group calls
    Up to 32 people
    Checked Nov 8, 2026whatsapp.com(opens source in a new tab)
    Users
    More than 3 billion
    Checked Nov 8, 2026whatsapp.com(opens source in a new tab)
    Owner
    Meta (joined Facebook in 2014)
    Checked Nov 8, 2026whatsapp.com(opens source in a new tab)
  2. CRED logo

    2. CRED

    Best for: Indian credit card holders with good credit who want bill reminders and rewards on payments

    FreeAndroid, iOS

    64.8

    score / 100

    Why switch from Google Pay

    Better for credit card holders who want bill reminders and rewards on card and UPI payments.

    Pros

    • Pays credit card bills for most major Indian banks in one place
    • Free credit score checks via CIBIL
    • Rewards and cashback on bill and UPI payments

    Cons

    • Requires a credit score of 750 or more to join
    • Rewards are mostly partner offers rather than plain cash
    • Mobile only, and only for Indian mobile numbers
    Visit CRED Compare with Google PayDetails and reviews
    How this score is calculated
    Editorial fit ×0.387
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is CRED a good Google Pay alternative?

    Verified facts

    4 of 4 verified
    Membership requirement
    Credit score of 750+
    Checked Nov 8, 2026cred.club(opens source in a new tab)
    Members
    25 million+
    Checked Nov 8, 2026cred.club(opens source in a new tab)
    Credit score checks
    Free, via CIBIL soft inquiry
    Checked Nov 8, 2026cred.club(opens source in a new tab)
    UPI payments
    Yes
    Checked Nov 8, 2026cred.club(opens source in a new tab)
  3. Mo

    3. MobiKwik

    Best for: Indian users who want a prepaid wallet with UPI, kept separate from their main bank account

    FreeAndroid, iOS, Web

    61.8

    score / 100

    Why switch from Google Pay

    Lets you pay via UPI from a wallet balance without linking a bank account.

    Pros

    • Pocket UPI pays from the wallet without linking a bank
    • Bills, recharges and card payments in one place
    • Wallet can be topped up by card, net banking or UPI

    Cons

    • Full wallet use needs KYC with Aadhaar or PAN
    • App pushes loans and pay-later credit heavily
    • Only available in India
    Visit MobiKwik Details and reviews
    How this score is calculated
    Editorial fit ×0.377
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is MobiKwik a good Google Pay alternative?

    Verified facts

    3 of 3 verified
    Pocket UPI
    UPI payments without linking a bank account
    Checked Nov 8, 2026mobikwik.com(opens source in a new tab)
    Users
    193 million+
    Checked Nov 8, 2026mobikwik.com(opens source in a new tab)
    Wallet top-up methods
    Bank, debit/credit card, net banking, UPI
    Checked Nov 8, 2026mobikwik.com(opens source in a new tab)
  4. PhonePe logo

    4. PhonePe

    Best for: People in India who want UPI, bills, recharges and investments in one app

    FreeAndroid, iOS

    42.3

    score / 100

    Why switch from Google Pay

    India's most used UPI app, with bills, investments and travel booking built in.

    Pros

    • Accepted almost everywhere in India
    • Bills, recharges, FASTag and travel booking in the same app
    • UPI Lite, RuPay credit cards and credit lines on UPI
    • UPI payments at select merchants abroad

    Cons

    • Busy app with many offers for loans, insurance and investments
    • Requires an Indian bank account and mobile number
    • International UPI works only in a handful of countries
    Visit PhonePe Compare with Google PayDetails and reviews
    How this score is calculated
    Editorial fit ×0.312
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is PhonePe a good Google Pay alternative?

    Verified facts

    4 of 4 verified
    Registered users
    About 73 crore
    Checked Nov 4, 2026phonepe.com(opens source in a new tab)
    Merchants
    Over 5 crore
    Checked Nov 4, 2026phonepe.com(opens source in a new tab)
    International
    Singapore, UAE, Nepal, Sri Lanka, Bhutan, Mauritius
    Checked Nov 8, 2026phonepe.com(opens source in a new tab)
    Credit on UPI
    RuPay credit cards and credit lines
    Checked Nov 8, 2026phonepe.com(opens source in a new tab)
  5. BHIM logo

    5. BHIM

    Best for: People in India who want a plain UPI app run by the network operator itself

    FreeAndroid, iOS

    37.8

    score / 100

    Why switch from Google Pay

    NPCI's own UPI app, with even fewer offers and upsells.

    Pros

    • Run by NPCI, the operator of UPI
    • Free, with few upsells compared with commercial UPI apps
    • Supports UPI AUTOPAY and UPI Circle
    • Available in several Indian languages

    Cons

    • Works only with Indian bank accounts and mobile numbers
    • Fewer rewards and extra services than PhonePe or Paytm
    • Needs a debit card to set up
    Visit BHIM Details and reviews
    How this score is calculated
    Editorial fit ×0.312
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.1570
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is BHIM a good Google Pay alternative?

    Verified facts

    5 of 5 verified
    Requirements
    Bank account, registered mobile, debit card
    Checked Nov 7, 2026bhimupi.org.in(opens source in a new tab)
    Pay by
    Mobile number or UPI ID
    Checked Nov 7, 2026bhimupi.org.in(opens source in a new tab)
    Recurring payments
    UPI AUTOPAY
    Checked Nov 7, 2026bhimupi.org.in(opens source in a new tab)
    Availability
    24x7
    Checked Nov 7, 2026bhimupi.org.in(opens source in a new tab)
    Operator
    NPCI
    Checked Nov 7, 2026bhimupi.org.in(opens source in a new tab)

The best Google Pay alternative for…

The highest-ranked app in this list for each need.

WhatsApp logo

Best Google Pay alternative for most people

WhatsApp

WhatsApp's built-in UPI payments in India let you send money inside the chats you already use, without a separate app.

CRED logo

Best Google Pay alternative for a free option

CRED

Better for credit card holders who want bill reminders and rewards on card and UPI payments.

WhatsApp logo

Best Google Pay alternative for Mac

WhatsApp

WhatsApp's built-in UPI payments in India let you send money inside the chats you already use, without a separate app.

WhatsApp logo

Best Google Pay alternative for Windows

WhatsApp

WhatsApp's built-in UPI payments in India let you send money inside the chats you already use, without a separate app.

Mo

Best Google Pay alternative for iPhone and Android

MobiKwik

Lets you pay via UPI from a wallet balance without linking a bank account.

WhatsApp logo

Best Google Pay alternative for working in the browser

WhatsApp

WhatsApp's built-in UPI payments in India let you send money inside the chats you already use, without a separate app.

Google Pay alternatives: common questions

What is the best alternative to Google Pay?

WhatsApp ranks first right now. WhatsApp's built-in UPI payments in India let you send money inside the chats you already use, without a separate app. CRED and MobiKwik follow it in our ranking.

Google Pay vs WhatsApp: what's the difference?

Both Google Pay and WhatsApp are free to use. Only WhatsApp runs on Web, Windows and macOS.

Is Google Pay free?

Google Pay is free to use.

Is there a free alternative to Google Pay?

Yes. WhatsApp (free), CRED (free), MobiKwik (free) and PhonePe (free) have a free option. Check each app's verified facts for current plan limits.

Is there an open-source alternative to Google Pay?

None of the 5 alternatives in this list is open source.

Why do people switch from Google Pay?

The complaints we hear most: india only; other countries use Google Wallet instead; no travel or movie ticket booking like Paytm; rewards are scratch cards, not predictable cashback.

How is this list ranked?

Every app is scored with the same published formula: how directly it replaces Google Pay, reviews (weighted by verification), visits from AppBreakup, how recently its facts were checked against its own website, and reader votes.