Demonetization, an initiative by PM Modi, has made people go cashless. The concept of eliciting black money from the economy has left people aghast. Slow and steady supply of new currency in the economy is urging buyers to opt digital money option. To overcome this situation, we have some very important online payment wallet apps that enable hassle-free transactions within no time.

Going cashless has several benefits and e-commerce players have worked a great deal on bringing people to the mobile platform. E-tailors lure customers to make payment online via their debit/credit card by offering an extra discount. Now the question arises, How to make hassle free secure money transfer? Well, Android/iOS has a plethora of mobile wallet apps through which buyers can easily make the payment within seconds. Let us have an in-depth understanding of each app and how it works.


Paytm is a semi-closed wallet where customers can make payment to different merchants that are listed under Paytm’s contract list. Paytm is the widely used payment app in India. It was launched in the year 2014 and has gained huge customer base in just a short span of time. Apart from offering online payment option, Paytm also serves as a marketplace for customers offering enormous products at very competitive prices. There are over 3 million products listed on Paytm. Through Paytm wallet consumers can bank their money and make safe and secure payment transactions whenever required.

Paytm is used by more than 50 million customers across the country, making it the largest national player. Buyers can even chat with the seller directly and negotiate the quoted price to avail extra discount. Paytm even has exciting cashback offers on every purchase you make. Paytm is a very user-friendly app that manages and saves all the history transactions which can be easily reviewed for quick repeat payment. For any queries all consumers are free to write to Paytm’s customers care at

Price: Free
Availability: Android l iOS

4Oxigen Wallet:

This wallet app is the venture of Oxigen Services India Private Ltd. This payment solution provider started functioning in the year 2004. An old and a popular player in the market. Oxigen wallet has a unique space in the market with having more than 1.3 lakh outlets in India and a transaction record of around 35 million/per month. Through this easy to use app, you can easily transfer money to any merchant anywhere and at any time.

It meets all your payment needs like transferring money to friends or any bank, shopping online through Jabong, Myntra, Amazon, eBay, Shopclues etc., booking flight/IRCTC reservation through Goibibo, Yatra, Makemytrip etc. and more. There are various deals and cashback offers which you can avail by completing your payment transaction through Oxigen wallet. Now you can even make payment for petrol/diesel via Oxigen wallet and save time.

Oxigen wallet even offers payback points on every single purchase which can later be redeemed through ‘wallet balance’. So you can easily send money, pay, gift a gift card to your loved one, shop and travel instantly using this amazing Oxigen Wallet app. The tagline says #YouPaytheSmartWay! Let us download the app and join the league of smart payers.

Price: Free
Availability: Android l iOS



PayUMoney app launched by PayU helps users make secure online payment via debit/credit card or net banking etc. For each transaction you make, you are rewarded with PayUMoney reward points. These reward points can later be utilized while shopping or making some other bookings. There are more than 65000 secure websites and merchants that are listed with PayUMoney, with whom you can indulge in safe dealings.

PayUMoney app offers a special buyer protection feature wherein it ensures that the buyers receive the right product and if not, then ensures that designated refund amount is paid back. With the help of PayUMoney app, you would never miss your favorite TV programs as it enables you to do a recharge instantly. This app will help you organize all your bills and spending at one place. A complete bill management app that even saves history transactions for quick repetition. All the transactions done through this app offers 100% security by RapidSSL. Enjoy safe, secure and hassle-free transactions through PayUMoney.

Price: Free
Availability: Android l iOS


M-Pesa is a unique online payment app initiated by Vodafone in collaboration with ICICI Bank. It is the only app that offers branchless banking services across the Globe. M-Pesa has more than 85,000 agents across the country listed with them, with whom users can withdraw and receive money. It is a user-friendly app transferring money.

M-Pesa app can be used for making all sorts of transfers like mobile bill payment, DTH recharge, electricity bill payment, online shopping and many other transfers. This app even enables users to send money to any mobile users with the help of simple 3 step procedure:

  1. Fill the number of the recipient.
  2. Fill the amount to be transferred.
  3. Lastly, enter the private set code and click send.

Price: Free
Availability: Android l iOS


With the upcoming digital India trend, people have welcomed digital wallets in India with open arms. All the apps mentioned above are the best and most popular online payment methods which people are now using on a regular basis. These apps are not only user-friendly but even ensures safe and secure funds transfer. Not only this, these apps even offer amazing cashback offers over and above the prevailing discounts. These wallet apps have made our lives much simpler. Now no need to carry cash and risk the chances of losing it. Install these apps and save time.