With UPI becoming the backbone of digital payments in India, users need to look beyond convenience and speed. In 2025, security is the most crucial factor when choosing a UPI app. Whether you're making day-to-day transactions or large-value transfers, using a trusted and secure platform is essential.

This article ranks the best UPI apps in India based on how well they protect your data, detect fraud, and comply with regulations.

Ranking Criteria

We evaluated these apps based on:

• Data encryption (end-to-end and on-device)

• Multi-factor authentication (OTP, fingerprint, Face ID)

• Real-time fraud detection and alerts

• User ratings and public trust

• Compliance with RBI and NPCI security guidelines

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1. Google Pay (GPay)

Why it’s secure:
Google Pay uses AI-driven fraud prevention, real-time alerts, and industry-standard encryption. It supports biometric login and doesn't store UPI PINs or sensitive banking data on its servers.

Standout security features:

• Google’s global security infrastructure

• Encrypted transactions and data

• No access to full bank credentials

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2. PhonePe

Why it’s secure:
PhonePe provides robust end-to-end encryption and offers app-lock features using biometrics. It regularly updates its security protocols to stay ahead of threats.

Standout security features:

• Real-time scam alerts

• Biometric and PIN authentication

• Trusted by over 400 million users

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3. BHIM App (by NPCI)

Why it’s secure:
Created by the National Payments Corporation of India, BHIM is a government-backed UPI app focused on simplicity and security. It uses minimal permissions, making it less vulnerable to misuse.

Standout security features:

• Developed under RBI and NPCI oversight

• Basic interface with low risk of exploitation

• Secure UPI PIN validation

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4. Paytm

Why it’s secure:
Paytm UPI comes with app lock features, transaction history monitoring, and a strong in-app risk engine. It offers password protection at multiple levels, making it safer for everyday use.

Standout security features:

• Advanced fraud detection

• Biometric login and app password

• Multi-service integration with secure firewalls

5. Amazon Pay (via Amazon App)

Why it’s secure:
Amazon Pay integrates within the Amazon app and utilizes Amazon's multi-layered security. It offers real-time notifications and biometric authentication for all payments.

Standout security features:

• Safe within the Amazon ecosystem

• OTP-based verification for every transaction

• Reliable customer support for dispute resolution

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Honorable Mentions

• WhatsApp Pay: Offers strong end-to-end encryption like WhatsApp chats, but adoption remains limited.

• Mobikwik & Freecharge: Secure but lack the advanced fraud detection and ecosystem support found in the top 5.

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Final Thoughts

The safest UPI app is not always the flashiest. Apps like Google Pay and PhonePe offer a great mix of security and usability, while BHIM remains a minimal yet secure choice for users who value privacy.

Security tips for users:

• Use app locks and biometric login.

• Never share OTPs or UPI PINs.

• Regularly monitor your bank statements and app activity.

Choosing a secure UPI app can protect you from scams and ensure peace of mind with every transaction.