10 Best Online Bill Payment Apps & Sites with Cashback & Discounts

Now paying your electrical energy, gasoline, water and different utility payments like vodafone, airtel, BSNL invoice fee is just not a headache. You shouldn’t have to face in a protracted queue to pay your payments.

There are numerous finest on-line invoice fee providers in India that means that you can pay virtually all of your payments on-line. It hardly takes greater than a minute to pay your electrical energy invoice and different payments.

The high 10 on-line invoice and digital fee methods in India are driving the nation in the direction of its well-defined purpose as cashless and digital financial system.

This isn’t actually a brand new phenomenon: internet banking and digital types of money switch are flourishing in India since late Nineteen Nineties.

History of Online Bill Payment Systems

Indeed, on-line invoice fee are extra widespread now than ever earlier than, particularly as a consequence of social distancing and self-quarantine necessities that got here into power in the course of the Covid-19 pandemic that struck the world and elements of India in early 2020.

The success and widespread use of on-line invoice pay and digital fee methods in India took off from November 8, 2016 after the flash demonetization of the Rs.500 and Rs.1000 foreign money notes by the Indian authorities.

Left with little or no money at hand as a consequence of closure of ATMs and lengthy queues at banks, the Indian populace and companies had just one choice: make and settle for on-line funds.

Consequently, the Indian authorities, banks and Non-Banking Financial Companies in addition to e-commerce giants got here up with a slew of on-line invoice pay and digital fee methods. They overtook the straightforward cell wallets that have been widespread amongst Indians to get low-cost recharges for cell phone accounts.

Top 10 Online Bill Pay & Electronic Payment Systems

Over the years, India has a number of wonderful on-line invoice pay and digital fee methods. Maybe you’ve used a few of these. Or possibly you may think about using them now.

Here I’m itemizing the topmost 10 on-line invoice and digital fee methods that may assist make your life so much simpler and keep away from the hassles of standing in queues or commuting.

Note: Almost all the businesses present their very own on-line invoice fee service. Like if you wish to pay electrical energy invoice for Adani, then you are able to do that by way of its web site and app. Similarly, if you wish to pay vodafone or airtel invoice on-line then you may go to the respective web site.

1. Bharat Interface for Money

Bharat Interface for Money (BHIM) is by far the preferred on-line invoice fee. If reality, each Public Sector Undertaking (PSU) financial institution, non-public, cooperative and overseas banks in India use their very own variations of BHIM.

You will pay utilities payments, recharge cell phone, ship and obtain money and carry out a number of different transactions with BHIM. This app comes from the National Payments Corporation of India and may be very safe for all monetary transactions. In current days, BHIM additionally gives the ability to use for Initial Public Offering (IPOs) of firm shares.

2. Unified Mobile App for National Governance

Lesser recognized however most helpful for Indian is the UMANG app that comes from Ministry of Electronics & Information Technology. UMANG gives a slew of on-line providers. You will pay month-to-month contributions to the National Pension Scheme or recharge a cell phone.

UMANG means that you can order and pay for gasoline cylinders and piped gasoline. Utilities funds, making use of and paying for numerous providers from the Central and state governments are all potential with UMANG. This is a must have app for each Indian.

3. PhonePe

PhonePe ranks among the many finest on-line invoice fee app. It’s potential to pay all payments, make on-line purchases, put money into shares and Mutual Funds in addition to different monetary devices and preserve tab of all of your financial institution accounts with this built-in app.

Additionally, PhonePe is probably the most dependable in relation to working in distant areas the place Internet connectivity may be poorer. It’s additionally potential to make money transfers utilizing National Electronic Fund Transfer (NEFT), Real Time Gross Settlement (RTGS) and Immediate Payment Service (IMPS) methods.

4. Google Pay

Actually I’m not very comfy utilizing Google Pay as a result of it includes letting out my non-public phone quantity that I exploit strictly for banking and funding functions. To obtain money on Google Pay, you could disclose the quantity linked with your checking account.

But in all equity, Google Pay is a wonderful on-line digital invoice and fee system. It’s been personalized to be used in India, which is likely one of the two nations the place Google Pay is obtainable.


iMUDRA is one other fabulous on-line invoice pay and digital fee system. In reality, iMUDRA comes from Indian Railways Catering, Railways and Tourism Corporation of IRCTC.

iMUDRA serves as a cell pockets the place you may deposit money and pay by scanning a QR code, ship money by way of Virtual Payment Address or cell quantity to banks throughout India in addition to by internet banking.

You get particular reductions whereas reserving tickets from Indian Railways with this app. All invoice funds and recharges might be finished with this app. They additionally challenge a digital and bodily debit card from Federal Bank for a small payment.

6. Amazon Pay

Amazon Pay was earlier restricted to purchasing stuff on Amazon and getting cashbacks or refunds. However, Amazon Pay now gives full-fledged on-line invoice pay and digital funds for utilities, funds for eating out at choose locations, reserving airline, bus and prepare tickets and plenty extra.

And after all, reductions on procuring from Amazon every time they’ve a particular provide. There’re no must create a separate account for Amazon Pay. It comes with your Amazon account and is accessible on pc and cell.

7. PayZapp

India’s main non-public sector lender, HDFC Bank gives PayZapp, the very best on-line invoice pay and digital fee system in India. PayZapp additionally comes with the added function of a digital debit card from HDFC Bank.

This debit card is a wonderful function since you may get superb reductions whereas procuring on-line: loads of on-line shops together with Amazon and Flipkart provide particular reductions to buyers paying with HDFC Bank playing cards. PayZapp comes with all options you’ll anticipate. These embrace invoice fee, cell recharges, on-line procuring and particular offers from collaborating shops.

8. Pockets

Also from a number one non-public sector lender is Pockets by ICICI Bank. You can obtain the Pockets app from Google Play or Apple Store and register on-line. The full KYC compliant model supplies some extent of banking providers too.

You can request a bodily debit card that can be utilized whereas procuring and money withdrawals. ICICI Bank points the Pocket debit card for a small payment. Online invoice funds, recharges and money transfers are a few of the services from this fee system.


If you’re residing in rural India and wish an app that simply hyperlinks with a checking account, go for the India Post Payments Bank (IPPB) on-line invoice pay and digital funds system. You can obtain the app and go to the closest publish workplace department to finish full KYC formalities.

IPPB funds system comes with the total vary of monetary providers from India Post. And it gives all of the common options akin to VPA, invoice funds, recharges and services to pay for procuring. It’s additionally potential to purchase India Post insurance coverage schemes from this app.

10. Paytm

Despite the recognition of Paytm, I rank it the final as a consequence of myriad hidden prices this on-line invoice pay and digital fee system comes with. For instance, money transfers to a checking account out of your cell pockets come at a stiff payment.

And a number of different transactions additionally carry a hidden cost, in response to some customers. At the identical time, Paytm stays a really well-known app for funds, recharges and money transfers in India. They have a full vary of providers from procuring at Paytm Mall to reserving tickets and accommodations, paying payments, recharges and plenty extra.

Special Mention

Bharat Kosh

Bharat Kosh actually means India’s Treasury. This is a particular portal of the Indian authorities the place you may pay non-tax associated charges for numerous providers. There’re quite a few choices to pay numerous payments or make funds to the Central and state governments in addition to Union Territory administrations utilizing internet banking, UPI and credit score and debit playing cards, amongst others.

In Conclusion

Personally, I exploit a couple of of those on-line invoice fee providers in India as a result of they supply loads of flexibility. They’re helpful for paying electrical energy payments, gasoline and water payments, vodafone or airtel invoice fee at reductions, typically invoice pay with cashback and plenty extra. And all transactions might be finished shortly from the consolation of my residence and workplace. You too would really like them.

Exit mobile version