BHIM vs PayPay
BHIM
npci.org.in
PayPay
paypay.ne.jpSide by side
| Figure | BHIM | PayPay |
|---|---|---|
| Price from | Free | $1,980/mo |
| Free plan | Yes | Yes |
| Free trial | — | — |
| Open source | — | — |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| Plans published | 1 | 2 |
| Spec score · Peer-to-Peer Payment Apps | 8.2 (#10) | 8.5 (#6) |
| Spec score · Money Transfer Apps | 7.7 (#57) | 8.4 (#24) |
| Founded | 2016 | 2018 |
| Free plan | Yes | Yes |
| Security | BHIM’s FAQ says the UPI PIN is used to authenticate UPI transactions, and the privacy policy describes safeguards including firewalls, encryption and data leakage prevention technologies. | PayPay describes 24/7 fraud monitoring, two-factor authentication, and encryption of customer payment card and bank account information. |
| Support | The FAQ lists BHIM’s toll-free support number as 18001201740 for queries or complaints. | PayPay directs users with suspected unauthorized use or login problems to its Help pages. |
| What it does | BHIM is a UPI payment app for direct bank payments and money requests using a UPI ID or QR code. | PayPay is a smartphone payment service that lets users pay by showing a barcode or scanning a QR code. |
Plans
In their own words
BHIM
BHIM is a free UPI payment app for Android and iOS that sends money directly between bank accounts and handles payment requests. Users can pay with a UPI ID, a UPI-registered mobile number, or an account number and IFSC code, and can link up to five bank accounts. BHIM describes the service as available 24x7. Its FAQ states a limit of Rs 40,000 per transaction and Rs 40,000 per day for each linked account; new users have a Rs 5,000 limit during their first 24 hours. Bill Pay supports electricity, gas, DTH, telecom, loan EMI, insurance, water, FASTag, cable TV, and education bills when the bank is enabled on Bharat Bill Pay. Merchants can add up to three collection agents with individual QR codes. A UPI PIN authenticates transactions. The privacy policy says BHIM may collect phone, financial, transaction, device, SIM, IP address, and location information, while not storing contacts when access is granted. Completed transactions cannot be reversed unless the recipient refunds them.