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PhonePe UPI, Payment, Recharge

June 17, 2024

More About PhonePe UPI, Payment, Recharge

PhonePe is a payments app that allows you to use BHIM UPI, your credit card & debit card or wallet to recharge your mobile phone, pay all your utility bills and to make instant payments at your favourite offline & online stores. You can also invest in mutual funds & buy insurance plans on PhonePe. Get Car & Bike Insurance on our app.
Link your bank account on PhonePe and transfer money with BHIM UPI instantly! The PhonePe app is safe and secure, meets all your payment, investment, mutual funds, insurance & banking needs, and is much better than Internet banking.

Things you can do on PhonePe (Phonepay) App:

Money Transfer, UPI Payment, Bank Transfer
- Money Transfer with BHIM UPI
- Manage Multiple Bank Accounts– Check Account Balance, Save Beneficiaries across multiple bank accounts like SBI, HDFC, ICICI & 140+ banks.

Make Online Payments
- Make online payment on various shopping sites like Flipkart, Amazon, Myntra etc.
- Pay for online food orders from Zomato, Swiggy etc.
- Pay for online grocery orders from Bigbasket, Grofers etc.
- Pay online for travel booking from Makemytrip, Goibibo etc.

Make Offline Payments
- Scan & Pay via QR Code at local stores like kirana, food, medicines etc.

Buy/Renew Insurance Policies with PhonePe Insurance App

Health & Term Life Insurance
- Compare/Buy Health & Term life Insurance with monthly premiums
- Coverage for individuals, senior citizens & families

Car & Two Wheeler Insurance
- Browse & get India’s most popular bike & car insurance
- Buy/renew your car & bike Insurance in less than 10 minutes

Other Insurance
- PA Insurance: Insure yourself against accidents & disablement
- Travel Insurance: Get international travel insurance for business & leisure trips
- Shop Insurance: Insure your shop against fire, theft, natural calamities and burglaries.

PhonePe Lending

Get pre-approved personal loans ready to be disbursed into your bank account through seamless & digital loan onboarding journey. Attractive interest rates, easy repayment options & single click self serve modules are some of the salient features being offered.

Repayment Period: 6 - 36 Months
Interest Rate: Max 30% (Reducing)

Example:
Principal Amount: ₹100,000
Interest Rate: 15% p.a. (Reducing)
Processing Fees: 2%
Tenure: 12 Months
Total interest amount payable: ₹8309.97
Total processing fee amount payable: ₹2000
Total cost to the user: ₹110,309.97

Mutual Funds & Investments App
- Liquid Funds: Get higher returns than savings bank
- Tax-Saving Funds: save up to ₹46,800 in tax & grow your investment
- Super Funds: Achieve financial goals with expert help on our app
- Equity Funds: High growth products curated as per risk appetite
- Debt Funds: Get stable returns for investments without any lock-in period
- Hybrid Funds: Get a balance of growth & stability
- Buy or Sell 24K Pure Gold: Assured 24K purity, build gold savings on our app

Recharge Mobile, DTH
- Recharge Prepaid Mobile Numbers like Jio, Vodafone, Idea, Airtel etc.
- Recharge DTH like Tata Sky, Airtel Direct, Sun Direct, Videocon etc.

Bill Payment
- Pay Credit Card Bills
- Pay Landline Bills
- Pay Electricity Bills
- Pay Water Bills
- Pay Gas Bills
- Pay Broadband Bills

Buy PhonePe Gift Cards
- Buy a PhonePe Gift Card for easy payments across 1 lakh+ leading offline & online outlets and across the PhonePe app.

Manage your refunds
- Manage & track refunds from your favorite shopping websites on PhonePe.
For more details, Visit www.phonepe.com

Permissions for App and reasons
SMS: to verify Phone number for registration
Location: a requirement by NPCI for UPI transactions
Contacts: for phone numbers to send money to and numbers to recharge
Camera: to scan QR code
Storage: to store scanned QR code
Accounts: to pre-populate email ID while signing up
Call: to detect single vs dual sim & let user choose
Microphone: to carry out KYC video verification

Latest Version

Version
24.05.31.0
Update
June 17, 2024
Developer
PhonePe
Apps
Finance
Platforms
Android
Downloads
628,146,289
License
Free
Package Name
com.phonepe.app
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Add Comment & Review

User Reviews

Lakshmi Somulu

6 months ago

Worst experience I am facing, If I open the app it's closing automatically, I didn't find this bug previously, I am using realme 12 x 5G phone . I thought If there is any updates, but I went and check in play store there is no update. I have reinstalled it but I am facing the same issue again Please try to fix this bug or else shutdown your app and don't come with any other new payments.

Google Pay

6 months ago

Hello PhonePe app developer, I extremely say that this app is one of the best peyment app . But Don't you think that this app should also have the option to clone like WhatsApp Instagram because we have two SIM cards and they are also linked to different bank accounts so one can we have to send money from the same account from time , but what is the use when you have to log out again and again for payment. It is not my problem but any of person who uses PhonePe app. Sorry for mistakes above ☝🏻

Ben C

6 months ago

All said and done it's a great app. No change no problem, no cash in hand, no problem, transfer money to a family member, no problem, give auto charges with fighting, no problem. Electricity bill and water bill last day, no problem, insurance of vehicle, medical shop uncle stopped Vicks strepsils because his standard diaglogue, no change 😁 etc etc . There have been ups and downs on the app, I mean I'm not perfect. So that's ok. 🙌

Somir Ali

6 months ago

Phonp eis experiencing dramatic growth currently where the number of users has reached one billion. It comes with a lot of benefits like video calling with your close ones and uploading your photos and videos without charge. Most importantly, it allows you to get in touch with people from the other side of the world without spending a penny. It is also a great way to connect with old school friends and college friends. Further, you can also make new friends through this platform. When you co

Harish Kumar

6 months ago

Title: Unacceptable Performance and Stability Issues ⚠️ Rating: 2 stars Review: This app suffers from severe performance and stability problems that severely hinder its usability. Constant lagging, stuttering, and random crashes plague the user experience, making even basic functionality unreliable. 💥 These critical issues need to be urgently addressed by the developers to bring the app up to acceptable standards.

Rupam Singh

6 months ago

This is second time when money got deducted from my account but didn't get credited to the receivers account. It has been more than 24 hours since the transaction is done. I am not using this app anymore where there is no security of the transfer. Very very disappointed

surinder dhillon

6 months ago

I am reaching out to you regarding a pressing issue I've been experiencing with a recent recharge transaction on your platform. It has been 15 days since I initiated a metro recharge, however, it is still showing as "processing" and hasn't been confirmed yet. Despite my repeated attempts to seek assistance by connecting with your customer care representatives, the issue remains unresolved. Each time I reach out, I am told to wait for an additional two days without any positive outcome or progre

praveen jangam

6 months ago

It's good UPI application. But Coustomar service is too worst and it's taking to much of time to resolve the pending transactions. And kindly avoid rental payment option it's taking near 2to3 day for payment. And don't do the rental payment through Phone pay and use different why because of phone pay it's taking too much time and incase can we rise a ticket it useless thing. Kindly don't pay through rental

Thealien Whofellfromthesky

6 months ago

One of the best payment apps - Booking a Tatkal ticket through Irctc app is a nightmare. Unless you are fastest you don't get a confirmed ticket. Phone PE offers ones of the best payment gateways with least errors, payment failures of all other options/ apps out there. This is one of the best payment apps in the world - secure, super easy to use, zero glitches, and works even with low network. Ps - I don't work for Phonepe. I am amazed at the speed of payment processing and recommendations it

Alok Rannjan Dash

6 months ago

The RuPay credit card especially icici cc often has issues where it stays in the processing state and eventually gets declined. This causes problems when trying to place orders on Swiggy or Zomato, as we can't afford to wait 30 minutes for it to process. It should either be accepted or declined immediately instead of hanging in the processing state.

lirichemlangty

6 months ago

I've been using the PhonePe app for quite some time now, and overall, my experience has been quite positive. Despite all these positives, there's one significant drawback that I've encountered: the lack of a feature to delete transaction history. As someone who values privacy and prefers to keep the financial activities discreet, this is a considerable inconvenience. Over time, this history becomes cluttered with numerous transactions, making it cumbersome to sift through for specific details.

Sachin Kushwah

6 months ago

Good afternoon phonepe team, It's a very useful app but I request you to add a icon to cancel recharge because many of us sometimes make recharge on wrong number, by mistake. So if it possible to cancel recharge within half hour, when we made it, or in less time then it would be very helpful to us. Thank you phonepe team to make it a great application.

Ram Teja Maddala

8 months ago

Clean UI. But functional bugs exist. Add feedback feature please, or place it where everyone can see. I made a payment midnight which went into "processing". I paid again next morning which succeeded. But after 2 days, while I can see both payment in history, I could see only one payment when I went into the contact. This is a serious bug but I couldn't find any callcenter option to enquire or report, only bot chat. Would've been good if there was atleast feedback option openly visible.

Asim K

6 months ago

sometimes online payments can become a bad experience, paid electricity bill(hescom-Karnataka) through phonepe, on app its showing payment successful, amount was deducted from account but electricity company did not receive payment. checked with the bank but no proper response , it's more than 6 working Days and I have not received any refund or payment confirmation. it will be better if all the online payment related issues are resolved within 3 working days.

Deepak Kumar

6 months ago

It's a best app for Payments and transactions. For some bank transfer it doesn't need to enter IFSC code, it's a good facility. But the referral gift rupees transfer would be done when they want, it's not done when I complete my refferal and transfer rupees 1 to a friend. Because I have completed 4 refferal and transfer but I got it only one time. 👍😔

Tejaswi Surolia

6 months ago

I am not getting money credit notifications for a very long time. I tried updating both the app and my phone. I checked all the notification settings. They are all turned on. There is no battery saver active on the phone as well. Yet I do not receive the money credit notification from the app. Although I receive a notification for the money debited from Phone Pe app. Please help.

Sayan Roy

6 months ago

The overall experience with PhonePe is good for me..I'm using it from the beginning.. kindly change the UI a little bit more and remove ads or reduce it.. and why the qr scanner is in the top right corner..it should be in the middle for handy reach out.. make the app more fluid ..in the bottom of the app make qr scanner and balance check section and and show your qr not the insurance, credit etc..Hope the developers will listen to this suggestions.. Thank You .. 😊

Uday Soni

6 months ago

I've been forced to put the app in deep sleep in order to avoid their barrage of push notifications which have been affecting my phone's battery off late. Besides the issue above, I would say that the app overall is poorly designed. It is quite a task to navigate through various touchpoints to find what you're looking for. Instead of displaying useless information like sponsored games on the main page, they should perhaps try incorporating a search bar to help users find what they require.

Subhadeep Dey

7 months ago

The home page of this app is overly cluttered and finding the desired option takes longer than usual. For instance, the "Scan QR" option—which is crucial for a UPI app—is a tiny icon on top and hard to spot. Moreover, the Transaction History page should indicate the debit and credit transactions with different colours for a better UX (Preferably, red or black for debits, and green for credits). Also, it would have been great if it stored transaction history of older than 1 year.

Shivamani Beemanadham

7 months ago

Best And Superfast App...But, not working properly from the last month. I can scan any barcode and make the payment through it. But, when opt for mobile transfer to any person, my keyboard does not pop up. Not at all. Please help, as I tried everything. I cleared its data, cache, and even unistalled & reinstalled the app. But, all in vain. I have not been able to understand the problem even after looking for it on google & Youtube.

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