Paying bills can be a total drag, but with the right app, it doesn't have to be! There are tons of apps out there that can help you manage your finances, pay your bills on time, and even save some money. Whether you're looking for a simple bill pay app or something more advanced with budgeting features, we've got you covered. In this article, we'll be reviewing the top 10 bill payment apps, highlighting the best features and pros and cons of each.
Out of all the apps we reviewed, Papaya, Deferit, and BILL AP & AR Business Payments really stood out. They offer user-friendly interfaces, a wide range of features, and some even have cool extras like budgeting tools and bill negotiation features. So buckle up, because we're about to dive into the world of online bill payment apps and find the perfect one for you!
| App | Logo | Available On | Reviews | Downloads | Features |
|---|---|---|---|---|---|
| 1. Papaya |  | Android, iOS | 4.7/5 | 461K+ | Pay bills with a photo, Free to use, Secure and easy |
| 2. Deferit |  | Android, iOS | 4.8/5 | 419K+ | Split bills in 4, Save money on bills, Build credit history |
| 3. BILL AP & AR Business Payments |  | Android, iOS | 4.9/5 | 392K+ | Automated AP and AR, Multiple payment options, Real-time notifications |
| 4. Freecharge UPI & Credit Card |  | Android, iOS | 4.7/5 | 51M+ | Easy UPI payments, Quick QR code scans, Earn cashback rewards |
| 5. PhonePe UPI, Payment, Recharge |  | Android, iOS | 4.8/5 | 632M+ | UPI payments, Mobile recharge, Bill payments |
| 6. Paytm |  | Android, iOS | 4.7/5 | 556M+ | UPI payments, QR code scanning, Utility bill payments |
| 7. doxo |  | Android | 4.1/5 | 533K+ | Free bill reminders, Multiple payment methods, State-of-the-art security |
1. Papaya
Snap photo, pay instantly, Secure, convenient, free, Supports wide range of bills
Download:
Application information
| Category | Finance |
| Downloads | Over 460,000 downloads |
| Features | Papaya is a bill payment app that lets you snap a picture of your bill and quickly send payment. |
| Who It’s For | Anyone who wants a quick and easy way to pay their bills. |
- Tags:
- Fast and easy
- Secure and free
- Pay any bill
Papaya is a bill payment app that aims to simplify the process of paying bills, allowing you to ditch the hassle of mailing checks or remembering numerous logins. While the app is not entirely free, it offers a convenient and easy-to-use platform for paying bills, with fast payment processing and email notifications to keep you informed. However, some users have noted the archaic system, suggesting an upgrade to QR code technology for a more streamlined experience. The app also faces concerns regarding user interface issues like insufficiently sized input fields and confusing confirmation messages. Despite these drawbacks, Papaya remains a popular choice for those seeking a straightforward and quick solution to their bill payment needs.
Pros & Cons
- Easy to use bill payment app
- Pay bills without account setup
- Fast payments with email updates
- Convenient for various bill types
- Not free after initial period
- Archaic system compared to QR codes
- Input fields are not user friendly
Why we chose it?
I absolutely love Papaya! It's so easy to use – just snap a picture of your bill and it's done. Plus, it's super secure so I never have to worry about my information being compromised. And the best part? It's free! I don't need to pay any fees to pay my bills, which is a huge bonus.
✨ Read more: app to cancel subscriptions
2. Deferit
Split bills into 4 payments, Pay bills without interest, Build credit history with payments
Download:
Application information
| Category | Bill Payment App |
| Downloads | Over 400,000 downloads |
| Features | Deferit lets you split any bill into 4 interest-free installments, saving you money, improving your credit score, and helping you manage your budget. |
| Who It’s For | Deferit is perfect for individuals looking for a convenient and affordable way to manage their bills and potentially save money. |
- Tags:
- No interest or late fees
- Split bills in 4
- Save money on bills
Deferit is a bill payment app that offers a unique and convenient way to manage your bills, particularly if you find yourself needing to split a payment into manageable installments. Users have praised the app's ease of use, with its intuitive interface and ability to adjust payment days being particularly appreciated. While some users have reported occasional glitches, the app's overall functionality has earned positive feedback. However, the recent price increase to $14.99 per month has generated significant dissatisfaction, with users expressing concerns about the value proposition given the limitations on bill payment amounts.
Pros & Cons
- Convenient bill payment service
- Helps with bill splitting
- Good user interface
- Ability to adjust payment date
- May not pay full bill amount
- High monthly subscription fee
- Subscription fee increased rapidly
Why we chose it?
Deferit is my go-to app for paying bills online because it lets me split any bill into four easy installments with no interest or late fees. It's a lifesaver when I need a little extra breathing room with my budget. Plus, I love that Deferit helps me build my credit history by reporting my payments to credit bureaus, so I can work towards a brighter financial future.
✨ Read more: app for online banking
3. BILL AP & AR Business Payments
Automate bill payments and approvals, Track payment status in real-time
Download:
Application information
| Category | Business |
| Downloads | Over 391,000 downloads |
| Features | BILL AP & AR simplifies business payments and receivables by automating AP/AR processes, offering multiple payment options, tracking payment status, streamlining approvals, and providing detailed financial reporting. |
| Who It’s For | Businesses of all sizes looking for a comprehensive bill payment app to streamline their accounts payable and accounts receivable processes. |
- Tags:
- Automated AP/AR
- Fast and secure payments
- Multiple payment options
The BILL AP & AR Business Payments app promises to revolutionize how you manage bills on the go. While users rave about its ease of use for saving vendors and customers, making invoices simple, and the convenience of paying bills on the fly, there are also some drawbacks. Some users found the app slow to open invoices and prone to freezing, while others lament the lack of PDF upload functionality, which hinders its usefulness for businesses reliant on paper invoices. Despite these glitches, many users acknowledge the app's potential and are hopeful for future improvements. Ultimately, BILL AP & AR Business Payments is a bill payment app with great potential, though it might not be the perfect solution for every business just yet.
Pros & Cons
- Easy to use and manage
- Simplifies invoice creation and tracking
- Saves time and reduces manual work
- Convenient for on-the-go bill payment
- Slow to open invoices and log off
- May not be sophisticated for large businesses
- Sometimes invoices don't reach customers
Why we chose it?
BILL AP & AR is a powerhouse for managing both your accounts payable and receivable! It's super easy to use, and I love that I can pay bills online, schedule payments in advance, and even get paid faster with their automated invoicing features. The app's clear interface and detailed reporting help me stay on top of my cash flow, making it a must-have for any business owner.
✨ Read more: app to send money
4. Freecharge UPI & Credit Card
Fast and secure bill payments, Multiple payment methods available
Download:
Application information
| Category | Finance |
| Downloads | Over 51 million |
| Features | Freecharge is a comprehensive bill payment app that allows you to pay bills, recharge phones, transfer money, invest in digital gold, manage credit cards, and access a variety of other financial services. |
| Who It’s For | Freecharge is ideal for anyone looking for a convenient and versatile bill payment app that offers a wide range of financial services. |
- Tags:
- UPI Payments
- Credit Card
- Investment Options
Freecharge UPI & Credit Card is a popular bill payment app in India that offers a range of features, including UPI payments, credit card applications, and recharge options. While users appreciate its efficient UPI services and user-friendly interface, some have expressed concerns about recent app glitches and a lack of cash back options. Users are also seeking improvements to transaction history features, including faster loading times, sharing options, and the ability to track payments to specific parties. While the app has a built-in wallet, users have suggested converting it to a PPIW (Prepaid Payment Instrument Wallet) to enhance its functionality. Despite these feedback points, Freecharge remains a well-regarded bill payment app with a loyal user base.
Pros & Cons
- Efficient UPI payments for bills
- Convenient recharge and bill payments
- Provides cash back offers and coupons
- Well-established platform with user base
- Slow transaction history loading
- Limited payment history sharing options
- Profile photo frequently deleted
- No repayment option for already paid members
Why we chose it?
I love Freecharge! It's my go-to app for paying bills online because it's so easy to use and offers a ton of features. I can pay all my bills in one place, including utilities, mobile recharge, and even my credit card bill. Plus, it lets me earn cashback and explore investment options, so it's more than just a bill payment app - it's a complete financial solution.
✨ Read more: app to borrow money
5. PhonePe UPI, Payment, Recharge
Fast and secure bill payments, Multiple payment methods supported
Download:
Application information
| Category | Finance |
| Downloads | Over 632 million downloads |
| Features | PhonePe is a comprehensive bill payment app that lets you recharge your mobile, pay utilities, and make instant payments to stores using UPI, credit/debit cards, or your wallet. |
| Who It’s For | Anyone looking for a convenient and secure way to manage their bills and make payments. |
- Tags:
- UPI Payments
- Quick & Secure
- Easy Recharges
PhonePe is a popular bill payment app that allows users to seamlessly manage their finances. While users praise its speed and convenience for scanning barcodes and making payments, recent reports suggest some functionality issues. Some users have encountered problems with the mobile transfer feature, where the keyboard fails to appear, and others are missing money credit notifications despite having all necessary settings enabled. Despite these hiccups, the app's overall experience is deemed positive by many long-time users, who recommend some UI improvements, like relocating the QR scanner for easier access and reducing ads. With a focus on user feedback, PhonePe can continue to refine its bill payment experience and become even more efficient and user-friendly.. PhonePe UPI, Payment, Recharge
Pros & Cons
- Fast and reliable payments
- Wide range of bill payment options
- User-friendly interface for easy navigation
- Secure transactions with UPI and OTP
- Occasional glitches with keyboard functionality
- Missing money credit notifications for some users
- Ads and cluttered UI can be distracting
Why we chose it?
PhonePe is my go-to app for paying bills because it's so incredibly easy to use and has tons of options for paying all sorts of bills. From electricity and water to mobile and DTH, PhonePe handles it all with a smooth and secure interface. Plus, it's super fast and always reliable, which is a huge plus for me!
✨ Read more: app for budgeting
6. Paytm
Recharge mobile, pay bills, Send money, UPI payments, Scan QR, pay offline
Download:
Application information
| Category | Finance |
| Downloads | Over 555 million downloads |
| Features | Paytm is a comprehensive bill payment app allowing users to recharge mobile phones, pay utility bills (electricity, gas, water, broadband), and make other financial transactions like money transfers and UPI payments. |
| Who It’s For | Individuals and businesses looking for a convenient and versatile bill payment app in India. |
- Tags:
- UPI Payments
- QR code payments
- Mobile recharge
Paytm, a highly-rated bill payment app, has become a staple for millions of Indians, offering a seamless and user-friendly experience for managing finances. With its clear and simple UI, users find navigating and making payments a breeze. While Paytm excels at speed and reliability, its user experience is not without its quirks. Some users have expressed frustration with the placement of the "scan any QR code" option, feeling that its visibility is hindered by advertisements. Despite this minor criticism, Paytm remains a popular choice for its quick processing, dependable transactions, and effective customer care, making it a trusted and convenient solution for managing everyday financial needs.
Pros & Cons
- User-friendly interface for payments
- Quick and reliable transaction processing
- Offers wide range of payment options
- Supports various bill payment services
- Advertisements can obstruct functionality
- Scan QR code option placement is inconvenient
- Limited global acceptance compared to cards
Why we chose it?
Paytm is my go-to app for paying bills because it's super user-friendly and has a ton of options. I love that I can pay everything from electricity and gas to mobile recharges and even book my train tickets, all in one place! Plus, it's super secure, so I don't have to worry about my money being safe.
7. doxo
Manage all household bills, Multiple payment methods, State-of-the-art security
Download:
Application information
| Category | Bill Payment App |
| Downloads | Over 500,000 downloads |
| Features | Doxo helps you manage all your household bills in one place, track due dates, make payments, and protect your online payments. |
| Who It’s For | People who want to simplify bill payment, manage multiple bills, and avoid late fees. |
- Tags:
- Free bill management
- Easy bill pay
- Secure online payments
Doxo is a bill payment app that aims to simplify your life by offering a centralized platform for managing all your household bills. Users rave about its speed, security, and ease of use, praising its ability to keep them informed every step of the way. While some have expressed concerns about changes to the app's interface and functionality, many remain loyal, appreciating the convenience of free bill payments and the peace of mind that comes with knowing their money is secure. Whether you're paying your gas bill or a more complex utility, Doxo offers a reliable and efficient solution.
Pros & Cons
- Easy and secure bill payments
- Fast payment processing times
- Keeps users informed throughout process
- Offers free version for basic payments
- Fingerprint login issue
- Loss of saved information after updates
- Some services may be expensive
Why we chose it?
Doxo is my go-to app for paying bills online because it's super simple to use and lets me manage all my bills in one place. I love that I can pay any bill with any payment method, and the automatic payment monitoring gives me peace of mind knowing everything's taken care of.
8. BillPoint
Buy airtime, data, and electricity, Pay bills using airtime or cash
Download:
Application information
| Category | Finance |
| Downloads | Over 684 thousand downloads |
| Features | BillPoint lets you buy airtime, data, electricity, and cable TV, pay bills with airtime, and make online payments with airtime. |
| Who It’s For | BillPoint is ideal for individuals and businesses seeking a convenient and affordable bill payment app. |
- Tags:
- Cheap Airtime & Data
- Pay Bills with Airtime
- Online Payments with Airtime
BillPoint is a superb bill payment app that stands out for its clean design and fast services. Users rave about its reliability, noting that data purchases last a good amount of time. The app also excels in customer service, with users praising its responsive WhatsApp support team for promptly resolving issues. While there are some minor hiccups with network speeds and beneficiary management, the overall experience is highly positive, leading many to consider BillPoint a valuable tool for managing their financial needs.
Pros & Cons
- Fast and reliable service
- Clean and user-friendly design
- Excellent customer care support
- Notifications for network outages
- Slow Glo servicing sometimes
- Delayed alerts for microfinance bank
- No option to remove saved beneficiaries
Why we chose it?
BillPoint is a fantastic choice for paying bills online because it's super easy to use and offers great deals on airtime and data. I love that I can pay multiple bills in one place without needing to jump between apps, and the affordable rates definitely make a difference in my budget!
9. PayPal
Pay bills securely and easily, Schedule payments for future dates
Download:
Application information
| Category | Finance |
| Downloads | Over 360 million downloads |
| Features | The PayPal app offers a variety of features, including sending and receiving money, paying bills, managing your account, and shopping online. |
| Who It’s For | The PayPal app is perfect for anyone who wants a convenient and secure way to manage their finances, including bill payments. |
- Tags:
- Easy money transfer
- Secure online payments
- Rewarding cashback offers
PayPal, a popular bill payment app, has been a go-to for many users for years, offering convenience for transferring funds and managing credit account payments. However, recent updates have left some users frustrated with bugs and a confusing interface. While many appreciate its features like "PayPal in 4," which allows for interest-free installments, others find the app unreliable and cumbersome for managing their finances. While its reputation for secure transactions remains strong, the app's recent shortcomings raise concerns about its ability to remain a user-friendly bill payment solution.
Pros & Cons
- Secure way to send money
- Pay bills with ease
- Offers 'PayPal in 4'
- Reputable sellers accept PayPal
- Frequent app bugs
- Credit account access issues
- Difficult to navigate
Why we chose it?
PayPal is a fantastic option for paying bills online because it's super convenient and reliable! You can easily link your bank accounts or cards to your PayPal account, and then you can pay bills directly from the app. Plus, you can set up recurring payments for things like utilities or rent so you never miss a deadline. And best of all, PayPal offers great security features to keep your financial information safe.
10. Cash App
Send and receive money instantly, Pay bills directly from account
Download:
Application information
| Category | Finance |
| Downloads | Over 100 million downloads |
| Features | Cash App allows users to send and receive money, pay bills, invest in stocks and Bitcoin, and even file their taxes for free. |
| Who It’s For | Anyone looking for a convenient and versatile bill payment app, especially those interested in additional financial services like investing. |
- Tags:
- Instant Money Transfer
- Free Debit Card with Discounts
- Free Tax Filing
Cash App is a game-changer for managing your finances and sending money with effortless ease. It’s a versatile bill payment app with a user-friendly interface that makes sending money to friends, paying bills, and even investing a breeze. Security features like PIN protection provide peace of mind, and the Cash Card offers convenient spending options with exclusive discounts. Overall, Cash App is a must-have for anyone looking for a simple and secure way to manage their money, and its popularity is a testament to its effectiveness.
Pros & Cons
- Easy peer-to-peer payments
- Direct deposit and investment
- User-friendly interface and security
- Convenient spending with Cash Card
- No transaction history editing
- No receipt attachment feature
- Card customization can be time-consuming
Why we chose it?
Cash App is my go-to for paying bills because it's super easy to set up and manage recurring payments. I love that I can pay anyone, anytime with just a few taps, and the instant notifications keep me on top of my bills. Plus, having direct deposit linked makes it a breeze to get my money in and out quickly!