Which Payments App Are You Using? (2021 Edition)

[mhsabir]

Offers is one big reason. I target specific offers of Amazon & Payzapp which come monthly. Mobikwik gives 1% supercash for Credit Card payments which I used to offset with bill payments - which I might stop using as it does not make sense any longer, now that I got Google Pay Axis Credit Card - However, they give non-supercash cashback for Vodafone Recharge - so may keep it for occasional use.

Google Pay for easy money transfer to contacts. PhonePe (with Mobikwik as backup) for money transfer in between accounts and for NEFT - It allows me to use any of my bank accounts as source and give NEFT details and do a transfer.

Paytm also used to give a few offers and it allows me to pay partial bill - And I had Paytm First subscription free for one year - so it gives 30 cashback on adding 500 - so used for that as well.

 

[AleYmple]

@Sai Nah its fine, both serve their own purpose for me.

 

[Smh]

Right now.

Google Pay - main for upi transfers/ cc bill payment
Credits card - where it is accepted
Debit card - occasionally. Might start using it more instead of credit card.
Paytm - during lockdown I used it extensively for the wallet feature. But now paused it as they charge for loading money from card.
Amazon pay - some times for offers.
Phone pay - backup only now.
Bank upi- only for sending money between my accounts not for any merchant transaction.

 

[socrates]

As I mentioned in post #6 about the sms from Amazon, I tried to add some money to Amazon Pay both attempts failed. Yesterday I got another sms from Amazon that "Your Amazon Pay balance account is Inactive. You'll be unable to add or use balance. Complete KYC to activate account:"
Heck never opened that account. I always paid by cod or cc. It was Amazon who credited an odd rupee to this account when the courier didn't give change.

 

[Sai]

What UPI handle does Payzapp give?. @hdfcbank?.

Can I link my HDFC Regalia CC to any of these apps and make QR payments?

 

[Smh]

I don't think you can pay to upi qr with your card. Payzapp allows you to pay for bharat qr code with card.

 

[mhsabir]

Yeah UPI QR can only be used with bank accounts I suppose

 

[Sai]

I don't think you can pay to upi qr with your card. Payzapp allows you to pay for bharat qr code with card.

What is the difference between UPI QR & Bharat QR?.

 

[royalroy]

Bharat QR is for merchants only. It is developed with NPCI, VISA, Mastercard for receiving payments via UPI, CARD.

 

[Sai]

Let me try installing PayZapp and see how it works.