PhonePe vs Apple Pay

PhonePe9.4Visit Apple Pay9.2Visit

Higher score PhonePe #1 in Mobile Payment Apps 9.4/10 Free plan Free plan✓ 0 of 5 features Visit PhonePe

vs

Apple Pay #2 in Mobile Payment Apps 9.2/10 Free plan Free plan✓ 0 of 5 features Visit Apple Pay

• PhonePe fits best

  Broad everyday UPI payments in India

• Apple Pay fits best

  Apple users paying in stores and online

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Side by side

Feature	PhonePe 9.4/10 Visit ↗	Apple Pay 9.2/10 Visit ↗
At a glance
Editor score	9.4	9.2
Ranking	#1 in Mobile Payment Apps	#2 in Mobile Payment Apps
Best for	Broad everyday UPI payments in India	Apple users paying in stores and online
Pricing model	Free	Free
Starting price	Free plan	Free plan
Free plan	✓	✓
Free trial	—	—
Deployment	Mobile	Desktop, Mobile
Platforms	iOS, Android	Web, Windows, macOS, iOS
Support	Email, Phone, Tickets	Community, Docs
Built for	Solo, Small business	Solo
Features PhonePe 0/5 · Apple Pay 0/5
In-store payments	Not checked yet	Not checked yet
Peer transfers	Not checked yet	Not checked yet
Bill payment	Not checked yet	Not checked yet
QR payments	Not checked yet	Not checked yet
International transfers	Not checked yet	Not checked yet
Specs
Mobile platforms	Not checked yet	Not checked yet
Our review
Pros	Send UPI payments to IDs, mobile numbers or bank accounts instantly, 24x7 Pay merchants by QR and view balances, passbook and transaction history Handle bills, recharges, AutoPay mandates and UPI Lite in one app	Pay in stores, apps, and websites with eligible Wallet cards Authenticate with Face ID, Touch ID, or a passcode Device-specific payment numbers avoid sharing actual card numbers
Cons	Mobile-only service, with no desktop deployment UPI terms allow fees to be introduced or changed An issuer may charge transaction fees	Requires an eligible card, compatible device, and supported merchant Apple Cash transfers are limited to supported regions Banks or card issuers may charge fees
Our verdict	PhonePe is a mobile payments app from PhonePe Limited for people in India who want to handle everyday UPI payments, merchant purchases and routine bills from a phone. Available on iOS and Android, it supports transfers to UPI IDs, mobile… Read the review →	Apple Pay lets people add eligible credit, debit, and prepaid cards to Wallet and use them for purchases in stores, apps, and websites. It is aimed at Apple users who want to pay with a compatible iPhone, iPad, Apple Watch, Mac, or Apple… Read the review →

Strengths and trade-offs

• PhonePe — where it wins

  • Send UPI payments to IDs, mobile numbers or bank accounts instantly, 24x7
  • Pay merchants by QR and view balances, passbook and transaction history
  • Handle bills, recharges, AutoPay mandates and UPI Lite in one app

  Where it doesn't

  • Mobile-only service, with no desktop deployment
  • UPI terms allow fees to be introduced or changed
  • An issuer may charge transaction fees

• Apple Pay — where it wins

  • Pay in stores, apps, and websites with eligible Wallet cards
  • Authenticate with Face ID, Touch ID, or a passcode
  • Device-specific payment numbers avoid sharing actual card numbers

  Where it doesn't

  • Requires an eligible card, compatible device, and supported merchant
  • Apple Cash transfers are limited to supported regions
  • Banks or card issuers may charge fees

• PhonePe9.4/10 · Free plan

  A free iOS and Android app for everyday UPI transfers, QR payments and bills.

  Visit PhonePeFull verdict →
• Apple Pay9.2/10 · Free plan

  A no-cost payment service for Apple devices, with checkout availability depending on merchant and region.

  Visit Apple PayFull verdict →