PhonePe Review

Our score: 8.2 User satisfaction: 95%

What is PhonePe?

PhonePe is a UPI-based, all-in-one digital wallet for users in the Indian subcontinent. It only requires one bank account or credit/debit card to be linked for users to utilize in every online transaction. Whatever the case, the platform assures users that their financial details are secured and protected against cybercriminals.

PhonePe is also a convenient app as it enables businesses to pay their utility bills through it, so they can ensure that their operations are not disrupted due to late or missed payments. Other than that, they can also use the solution to give salaries to their employees. The latter function is especially helpful to businesses with a global or distributed workforce.

With PhonePe, stores can even accept PhonePe payments via its dedicated POS device. This makes in-store transactions seamless as it takes less than a minute to complete. Plus, it is highly secure as one POS is linked to only one merchant.

Overview of PhonePe Benefits

All-in-One Solution

PhonePe can be used anywhere in India and for every transaction. This makes it dynamic and very expedient to business users, as they only have to access one app to request payments from their clients, to send salaries to their employees, and to pay their utility bills.

Multiple Payment Options

PhonePe gives users multiple options for the sources of their funds. This can be UPI, their credit or debit card, or their bank accounts. This flexibility allows users to be dynamic and lets them make certain every source is in the green.

Direct Top Ups

For faster transactions, users can transfer funds from their accounts to their digital PhonePe wallets. This means the app does not have to access linked accounts and cards for every transaction. This method is also more secure for daily payments and fund transfers.

Intuitive POS

Aside from facilitating online fund transfers, PhonePe also helps merchants accept payments in their stores. The solution has a dedicated POS device that can be used for in-store transactions. This reduces the waiting time of customers at the register and allows businesses to serve more buyers. With this solution, companies and consumers alike can rest assured that every transaction is secured as each device is linked to only one merchant. Plus, payment only succeeds once the customer enters their PIN on the app.

Multi-Language Interface

English and Hindi are not the only languages PhonePe speaks. The app is also available in Tamil, Marathi, and Bengali enabling native speakers of those languages to navigate the app comfortably and seamlessly.

Overview of PhonePe Features

  • Bank Account Linking
  • Bank Balance Check
  • Credit & Debit Card Linking
  • Send & Receive Money
  • POS Payments
  • App to Bank Account Transfer
  • Wallet Top Ups
  • Money Storage
  • PIN Authorization

PhonePe Position In Our Categories

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Position of PhonePe in our main categories:

TOP 50

PhonePe is one of the top 50 Mobile Payment Systems products

If you are considering PhonePe it might also be beneficial to investigate other subcategories of Mobile Payment Systems collected in our base of B2B software reviews.

Each enterprise has different needs and requires an application that can be customized for their size, kind of workers and clients, and the particular industry they are in. For these reasons, no system can proffer perfect tools off-the-shelf. When you search a software app, first be sure what you need it for. Read some PhonePe Mobile Payment Systems reviews and ask yourself do you want basic features or do you want complex functionality? Are there any industry-specific tools that you are looking for? Obtain the answers to these queries to assist your search. There are lots of elements that you need to mull over and these include your budget, specific business requirements, your organization size, integration requirements etc. Take your time, check out a few free trials, and finally zero in on the platform that offers all that you require to improve your organization efficiency and productivity.

How Much Does PhonePe Cost?

PhonePe Pricing Plans:

Free Trial


Starts at ₹1 lakh per transaction

PhonePe exacts a minimal amount of 1 lakh per transaction. However, other uses of the app such as money storage is free.

User Satisfaction

Positive Social Media Mentions 202
Negative Social Media Mentions 6

We realize that when you make a decision to buy Mobile Payment Systems it’s important not only to see how experts evaluate it in their reviews, but also to find out if the real people and companies that buy it are actually satisfied with the product. That’s why we’ve created our behavior-based Customer Satisfaction Algorithm™ that gathers customer reviews, comments and PhonePe reviews across a wide range of social media sites. The data is then presented in an easy to digest form showing how many people had positive and negative experience with PhonePe. With that information at hand you should be equipped to make an informed buying decision that you won’t regret.

Technical details

Devices Supported

  • Windows
  • Android
  • iPhone/iPad
  • Mac


  • Cloud Hosted

Language Support

  • English

Pricing Model

  • Free
  • Quote-based

Customer Types

  • Small Business
  • Large Enterprises
  • Medium Business
  • Freelancers

What Support Does This Vendor Offer?

  • email
  • phone
  • live support
  • training
  • tickets

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What are PhonePe pricing details?

PhonePe Pricing Plans:

Free Trial


Starts at ₹1 lakh per transaction

PhonePe exacts a minimal amount of 1 lakh per transaction. However, other uses of the app such as money storage is free.

What integrations are available for PhonePe?

PhonePe integrates with Unified Payments Interface (UPI).


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Reviewed By Louie Andre
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