UPI has turned into the go-to platform for the majority of people in India. It allows a vast number of people to send and receive money within seconds using just a smartphone. No matter whether you are going to split a restaurant bill with other people, or pay for your groceries, or even transfer the rent, UPI makes transactions hassle-free and keeps you from carrying cash.
To begin with, the advent of UPI has made transactions instantaneous and has had a transformative effect on how people handle their money. Gone are the days when people needed to visit the bank for transactions.
Despite the fact that there are several UPI applications available, the reality is that they are not all of the same quality. Your choice from the many options on the market and the increasing number of fake or unsafe apps can hugely affect your experience. In this article, we will discuss how to choose a UPI app that suits your needs. The first trick.
However, before you race to the play store and start downloading the first app, make sure to check out the features you need.
1. Check the Developer and App Publisher
The first and foremost task in any UPI App download is to source it safely. Go to Google Play Store or Apple App Store where you can type the app’s name and find it there. Download only if you are 100% sure you are downloading from a genuine creator.
Also, the option arises when the developers seek their apps to be publicized by the known Google Play Store and Apple App Store. Customization has now made its headway into waze for iphone users. This app’s unique line of features offers a more diverse range of possibilities for the user. Through…
It is more preferable to resort to official websites, even when you receive a link through WhatsApp, SMS, or social media, a letter, an official website of the company. Due to the type of fake apps that convert your trust into their potential, these apps can.
2. Read the Reviews and Ratings
Generally, the app reviews you will see can furnish you with the most authentic check of what you would expect as a real app user. Peruse through the latest reviews for potential troubles like transaction defects, login difficulties, or a totally absent.
Do remember to keep up with the app updates as well. With the good UPI app, the updates will be issued as the security patches and bugs are mainly coming from the developers of the app.
3. Compatibility with Your Bank
Though many UPI apps claim to have a wide range of banking partners, it is still a wise idea to verify if your bank is actually one of them. In the process of app installation, you will be requested to link your account by the use of your mobile number that you have registered at the bank for this purpose in particular.
Popular UPI apps like BHIM, Paytm, and PhonePe would generally have the coverage of all major banks, but usually, the relatively new apps will have limited partners. Achieving compatibility assists in avoiding hindrances while linking and guarantees your transaction to be a smooth one.
4. Required Permissions
For UPI functions to work, they entail access authorizations like reading SMS for verification and address book synchronization for money sending. At the same time, it is important to be watchful for apps that will ask for permissions that are beyond their purpose, e.g., to your gallery, camera (if not for scanning QR codes), or microphone.
No matter the case, never forget to look through the entire permissions list beforehand you install any app. A trustable app-firm will definitely explain and give you the purpose for the request whereas fraudsters can collect your personal data via excessive access. So, be careful.
5. Security Features
No doubt, talking about fintech you can’t miss security as the top requirement. UPI app authentication should be multi-layered meaning that it supports not only the insertion of a PIN but also the logins via a biometric scanner and the transmission of the data in ciphered form.
It is advisable for a fine app to ensure that it does not have access to your UPI PIN or data of your bank account. Also, it is necessary to periodically check if the app provides real-time transaction alerts and an option to immediately block or report fraudulent activity.
Visiting the app privacy policy section is another good way to inquire about the data handling procedure and the possibility of sharing it with third-party advertisers or platforms.
6. User Interface and Language Support
The most valuable thing in UPI apps is their ease of use. In this case, not only the user but the system is also updated in a way that it is easy to access available functions without any additional effort. The easiest and fastest way to reach the result, especially for people who are new to the concept, is to select an app with a clean and intuitive design. Therefore, features like a smart search for contacts, UPI ID shortcuts, and a visible transaction history would help a lot.
If you are more comfortable in your regional language, check if the app provides multilingual support. Many platforms are now multi-lingual in that they do not only contain the global language English but other popular Indian languages such as Hindi, Tamil, Bengali, and Marathi.
7. Extra Features That Add Value
Transfer of funds is only one of the basic activities done by some UPI apps. These apps also engage in bill payments, mobile recharges, insurance premium payments, or investment options. These will be an add-on, and the turret management will be much easier in one place if one would like to perform more tasks in one go.
But do not forget about the safety and utility when you want something extra. It is better to use a simple and reliable application for your needs instead of a cluttered one with endless functions.
8. Customer Support and Issue Resolution
It is important to have available customer services on those occasions when even the best app may fail to function properly. Consequently, one must first of all, search for those sites that provide easy access to help in various ways, for example, in-app chat, email-to or toll-free lines support.
Having apps that give you the ground to place complaints of failed transactions or deductions that you did not make in the app interface directly not only saves you lots of time but also keeps you away from unbearable frustration. Getting timely support has a big impact especially when you are in urgent need of it.
Final Thoughts
Understanding that UPI payments are on a mission to infiltrate the Indian lifestyle, it becomes very important for one to make the correct app choice. An ultra-secure and user-friendly UPI app can help you in doing all the transactions with a blink of the eyes. Considering that, do a background check of the source, review the permissions, and contact your bank to make sure they are the ones who will cater to your requests. Following these steps you will for sure have a perfect, free hassle UPI experience starting from the very first contact.