Payments On PhonePe are
Simple, Secure & Reliable

Wallet

All-new wallet with rewards on every spend

• Up to 2% cashback on spends
• Works on all UPI QRs
• Top up via credit/debit cards

RuPay Credit Card on UPI

Use your RuPay credit card seamlessly on UPI

• Scan any QR to pay with credit
• Earn rewards on every transaction
• No CVV or OTP required

Biometric Auth

Make lightning-fast small payments without entering PIN

• No PIN to remember across bank accounts
• Verified on-device, biometrics never leave your phone
• Switch back to UPI PIN anytime

Tap And Pay

Leave your cards at home

• Tap phone on any POS machine
• Works without internet
• International acceptance

UPI Circle

Delegate payments to your trusted circle with full control

• Add up to 5 trusted users
• Set spending limits & approve payments
• Perfect for family members & staff

NCMC

Make lightning-fast small payments without entering PIN

• Tap & go at metros, buses & parking
• Works offline, no network needed
• Zero-KYC cards now live at Hyderabad Metro

UPI LITE

Make lightning-fast small payments without entering PIN

• One-click payments up to ₹1000 per transaction
• Works even when banks are down
• Clutter-free bank statements

UPI Autopay

Set up automatic recurring payments once

• Auto-pay bills & subscriptions
• Pre-debit notifications
• Pause or cancel anytime

Credit Line on UPI

Link pre-approved credit lines to UPI

• Avail through your Bank
• Link & pay anywhere with UPI

NRO Payments

Banking for NRIs made simple

• Link with international number
• Pay bills in India from abroad
• Instant money transfers

PhonePe Gift Card

Instant digital gifting for every occasion

• Send & receive digital gift cards instantly
• Pay bills or recharge with PhonePe
• Use balance for select merchant payments on PhonePe

Split Expense

Track & settle group expenses effortlessly

• Create expense groups
• Share bills & receipts
• Collect money instantly