This article provides an overview of the best online payment apps that do not require credit or debit cards as a payment method. The selection of these apps is based on their popularity, user ratings, and available features. The article aims to guide users in choosing a suitable online payment app that meets their needs and preferences. The overall goal is to facilitate secure and convenient online transactions without the need for traditional payment methods.
We have compiled a list of 5 Best Online Payments Apps Without Credit / Debit Cards for your consideration, which have undergone rigorous testing and evaluation by our team of experts.
Table of Contents
- 5 Best Online Payments Apps Without Credit / Debit Cards
5 Best Online Payments Apps Without Credit / Debit Cards
1. MobiKwik BHIM UPI, Money Transfer, Recharge & Bill Payment
MobiKwik is a payment app that provides users with a comprehensive range of financial services. Users can manage all their financial needs in one place, from getting credit up to â‚¹30,000 to Spend Now & Pay Later to growing their wealth. The credit limit depends on usage, with higher usage resulting in a higher credit limit.
There are two ways to use the app: 1) Link any bank account via BHIM UPI to make all types of payments, and 2) Get credit with ZIP at 0 cost to spend now & pay later at 1L+ brands. With SuperCash, users can save up to â‚¹1000 every month. To use MobiKwik, simply sign up using your number and get started.
The app can be used for various purposes, including money transfer, mobile prepaid recharge, postpaid bill payment, utility bills, electricity bill payment, water bill payment, DTH recharge, credit card bill payment, online bill payments like food delivery, grocery, medicine, shopping & more. The credit line of up to â‚¹30,000 will help users to Spend Now & Pay Later.
Users can enjoy the fastest money transfer to all banks, transfer money from bank-to-bank account (UPI), wallet to wallet & card to bank. Send & receive money via any phone number or bank account directly or make UPI payments with BHIM UPI. They can also do Airtel recharge, VI recharge, Jio recharge, BSNL recharge & other online mobile recharge.
Users can pay bills for Tata Sky recharge, Airtel DTH recharge, Videocon d2h recharge, Dish TV recharge, Sun Direct recharge. Payment can also be done via ZIP.
2. Amazon Shopping, UPI, Money Transfer, Bill Payment
The Amazon app offers a convenient way to shop and pay for a wide range of products and categories through a single platform. It features options for mobiles, electronics, fashion, household items, and more, with competitive pricing. Users can also use Amazon Pay to pay for bills and flights, order groceries through Amazon Pantry and Amazon Fresh, and watch free videos on miniTV. Additionally, users can use Alexa on the app, play games, and win prizes every day.
The online shopping store offers a variety of products from trusted brands across a range of categories, including Electronics, Fashion, Beauty, Media, and Home & Kitchen. Users can easily browse and search for products by name, category, or brand, with quick delivery times and updated order tracking. The app also notifies users on the latest offers and deals, offers hassle-free returns and replacements, and provides convenient payment options such as cash on delivery, Amazon Pay, Credit/Debit Card, UPI, EMI, or Net Banking. Users are also assured of safe and secure shopping with 100% purchase protection offered by Amazon’s A-to-Z Guarantee for safe payments and transactions. Furthermore, 24/7 customer service support is available.
Amazon Pay allows users to send money to friends and family with Amazon Pay UPI, pay on delivery, and make faster and safer online payments with Amazon Pay UPI. Users can pay directly from their bank account for online shopping, recharges, bill payments, including mobile phone, gas and electricity, flight bookings, and more. Amazon Pay is safe, secure, and supported by the government of India.
Amazon Fresh, Pantry, and Groceries offer unbeatable savings with up to 35% off on top-quality brands and up to 15% cashback when users buy more. Users can order groceries online for home delivery, from vegetables and cooking essentials to snacks, beverages, packaged foods, household, and personal care items.
3. Paytm -UPI, Money Transfer, Recharge, Bill Payment
Paytm is India’s top payment app, trusted by over 30 crore Indians. The app enables bank-to-bank money transfers via BHIM UPI, and allows users to instantly pay at shops and online sites/apps such as Flipkart, Uber, Zomato, and Swiggy. Paytm can also be used for mobile recharge, Fastag recharge, DTH recharge, movie tickets, postpaid bill payment, and utility bill payments such as water, gas, and electricity bills, as well as landline, broadband, and insurance payments. Users can also invest in mutual funds, digital gold, and NPS, check their free CIBIL credit score, and buy now and pay later with Paytm postpaid. Additionally, users can make IRCTC train bookings, book flights, and book buses in just a few taps.
One of the key features of Paytm is bank-to-bank money transfer via BHIM UPI. With this feature, users can send and receive money from any phone number or bank account directly into their bank account without the need for wallet KYC. Users can also check their account balance, add beneficiaries, and manage multiple bank accounts from State Bank of India (SBI), HDFC Bank, ICICI Bank, and other banks in India which support BHIM UPI.
Paytm also allows users to recharge their mobile and DTH connections. Users can find the latest prepaid recharge plans and best offers on Jio recharge, Airtel recharge, Vodafone Idea (Vi) recharge, BSNL recharge, and more. Users can also recharge data cards and metro cards in Mumbai, Hyderabad, and Delhi.
Additionally, Paytm enables users to buy and manage Fastag for any vehicle with minimum documentation using their Paytm Wallet. Users can also recharge Fastag for all major providers, including ICICI, HDFC, Axis Bank, BOB, and IndusInd.
4. PhonePe – UPI, Recharges, Investments & Insurance
PhonePe is a mobile payments application that enables users to make payments using various payment methods such as BHIM UPI, debit/credit cards or wallets. Users can recharge their mobile phones, pay utility bills, invest in mutual funds, buy insurance policies and make instant payments at their favourite offline and online stores.
The app allows for instant money transfers with BHIM UPI after linking a bank account. PhonePe is a safe and secure method for all payment and banking needs and is considered to be superior to internet banking.
The app offers various services such as money transfer, UPI payment and bank transfer. Users can manage multiple bank accounts, check account balances, and save beneficiaries across multiple banks such as SBI, HDFC, ICICI and 140+ more. Users are also able to recharge prepaid mobile numbers and DTH services such as Jio, Vodafone, Tata Sky, Airtel Direct and more.
Moreover, users can pay credit card, landline, electricity, water, gas and broadband bills. PhonePe users can buy or renew insurance policies such as term life insurance, hospital daily cash insurance, and personal accident insurance. Additionally, users can invest in various types of mutual funds such as liquid funds, tax-saving funds, equity funds, debt funds, and hybrid funds.
PhonePe also allows for online payments on various shopping sites such as Amazon, Flipkart, Myntra, online food and grocery orders from Swiggy, Zomato, Bigbasket, Grofers, and travel bookings from Makemytrip and Goibibo. The app also enables users to make offline payments by scanning QR codes at local stores such as kirana, food, and medicine outlets. Furthermore, PhonePe users can buy gift cards for easy payments across 1 lakh+ leading offline and online outlets and across the PhonePe app.
Lastly, users can manage and track refunds from their favourite shopping websites on PhonePe.
5. JioMart Partner – Official App: Grow Your Business
The JioMart Partner app is a tool designed specifically for Indian merchants, allowing them to order products for their stores at attractive prices, with delivery straight to their doorstep. This app aims to help merchants grow their business margins. To become a JioMart Partner, one must download the JioMart Partner App and sign up.
The app provides several features, such as access to a wide range of products, discounted prices and offers, secure payment options, quick doorstep delivery, digital business management tools, and customer demand servicing. Additionally, JioMart representatives are available to provide support throughout the journey. With the JioMart Partner app, merchants can scale their business and prepare for the future.
To become a JioMart Partner, users must follow three simple steps: downloading and registering on the app, uploading the necessary documents for e-verification, and purchasing products at attractive prices. Required documents include PAN card details, business documents (such as FSSAI license), address documents (such as Aadhar card, driving license), and a GST number (if applicable).