UPI has been the backbone of India’s digital economy for a long time. And September was no different, with over 19.63 billion transactions.
Explore the top 10 UPI powerhouses of India who dominated digital payments in September 2025, including PhonePe, PayTM, Cred and more.
India’s Top 10 UPI Powerhouses in September 2025
In September 2025, India processed 19.63 billion UPI transactions totalling ₹24.9 lakh crore, with these ten apps leading the way:
PhonePe
PhonePe continued to dominate the UPI scene in September, with approximately 9 billion transactions. Its widespread merchant acceptance, user-friendly layout, and aggressive expansion into Tier 2 and Tier 3 locations make it the preferred app for millions.
Google Pay
Google Pay is in second place, favoured for its clean design and quick bank interfaces. With over 4 billion transactions, it remains popular with urban customers and professionals who value speed and dependability.
PayTM
Paytm’s super app strategy keeps it relevant, offering everything from UPI to ticketing and insurance. Despite regulatory hurdles, its loyal user base helped it clock nearly 3 billion transactions last month.
Navi
Navi, powered by fintech innovation, is gaining traction with its seamless UPI experience and integration with personal loans and insurance. Its emphasis on financial wellbeing is connecting with an expanding user base.
Super.Money
Flipkart's Super.money combines UPI payments with shopping benefits, including quick rewards and a streamlined checkout process. It's growing popularity among frequent online shoppers.
Cred
CRED has carved out a niche among premium users by combining UPI payments, credit card management, and exclusive rewards. Its clean UI and well curated offerings make it popular among financially smart millennials.
FamApp
FamApp is swiftly gaining popularity for its family-focused features, such as pooled wallets, spending limitations, and parental controls. It's particularly popular with Generation Z and young families.
BHIM
NPCI's BHIM app is still a popular choice among consumers in semi-urban and rural locations. Its easy interface and government support make it a dependable tool for basic UPI needs, even as private players gain traction.
Amazon Pay
Amazon Pay benefits from its tight integration with the e-commerce behemoth. Cashback programmes and one-click purchases have helped it reach 1 billion transactions, particularly among frequent online consumers.
WhatsApp Pay
WhatsApp Pay is rapidly expanding due to its integration with India's most popular messaging app. Its seamless integration into chats makes peer-to-peer payments extremely convenient, especially for casual users.
Key Takeaways from the Rankings
The UPI rankings for September 2025 confirm the dominance of major players such as PhonePe and Google Pay, while emerging apps such as Cred and Amazon Pay show promising growth. Innovation, user experience, and reward-driven engagement are still shaping the competitive landscape of India's digital payments ecosystem.