Overview, Comparison, & Features

PhonePe is an India-based, all-in-one digital payment application that would be linked to one debit/credit card or checking account to be used for each online need. The UPI-based platform of PhonePe ensures that each transaction is safe from cybercriminals, making users' financial details secure. PhonePe is used by business establishments as how to settle their utility bills to form sure on-time payments which can otherwise cause interference in their operations. It is often wont to pay employees also, making it an efficient salary solution for companies with a distributed or global workforce. Store transaction is additionally available as PhonePe are often used as a payment method via an obsessive POS device. PhonePe makes the method quick and safe since one POS is linked only to one merchant.
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  • PhonePe Account

  • Stores

  • Merchant Payments on PhonePe Platform 

  • Recharge & Bill Payments

  • External Wallets

  • Insurance Solicitation

  • Mutual Fund distribution

  • Bhim PhonePe UPI 

  • PhonePe Pre-Paid Instrument & PhonePe Gift Card

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  • Credit and Debit Card Linking

  • App to Bank Account

  • Money Storage

  • Bank Balance Check

  • Send and Receive Money

  • Wallet Top-Ups

  • Bank Account Linking

  • PIN Authorization

  • POS Payments

Pros & Cons:

  • Quick and Easy Recharge

  • Single app for many services

  • UPI Fund Transfer

  • Easy Bill Payment Along with Autopay

  • Hassle-free Payment to Merchant


  • Delay in Payment

  • No Interest on your Wallet Deposit

  • Refund of Cancelled Tickets is Tricky

  • Non-Credit of Money

Why choose PhonePe?

The main benefits of PhonePe are its functionalities, general usability, and security. As a centralized digital wallet, PhonePe may be a convenient tool for several business transactions. PhonePe offers users several options to settle on from for his or her payments. UPI, bank accounts, credit cards, and debit cards can all be linked to the app, making it a versatile payment method that ensures each source doesn't have a problem .
The app is beneficial for merchants also since store transaction is out there through the PhonePe’s dedicated POS device. The buyers needn't queue in line on the register anymore to buy the things they bought and therefore the sellers are ready to serve more customers at a time. Security concerns also are taken care of for businesses and consumers alike. one POS device is linked only to one merchant and a transaction completes only the customer enters the PIN-code on the app.
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What is My QR Code in Phonepe?
A QR Code is a barcode that is readable by smartphones. The 'My QR code' on the PhonePe App can be used to receive payments from other PhonePe users. 
Follow the below steps to open the My QR code in the PhonePe App:
  • Tap on the Profile picture.
  • Click "My QR Code".
  • The QR Code displayed is yours and can be shared with other PhonePe users to receive payments via the share button.
How to use My QR Code to make a payment in Phonepe?
Making a payment using the QR code is very simple. Follow the below steps to do so:
  • Tap on the QR code icon on the app home screen
  • Select the QR code received from the image gallery or directly scan the QR code
  • Enter the amount to be paid
  • Choose the preferred mode of payment and a Bank Account
  • Click 'Send'.
  • Enter the BHIM UPI PIN and click ‘Submit'.
I am unable to scan the QR code in Phonepe. What should I do?
If you are unable to scan the QR code, go through the following troubleshooting steps:
  • Ensure that you are using the latest app version.
  • Ensure that you have a proper internet connectivity.
  • Ensure that your camera is not being used by another app.
  • Retry after closing and reopening the app.
  • Restart your device and try again.
How can I add/change my address in Phonepe?
  • Tap on the Profile picture.
  • Click on 'My Addresses'.
  • Click on 'Add New Address'.
  • Enter your Phonepe password.
  • Enter your address.
  • Click on 'Add Address'.
How to set/change my language in Phonepe?
  • Tap on your Profile Picture.
  • Click on 'My Language'.
  • Select the desired language from the options available.
  • Click 'Continue' to save.
How to reset/change the Phonepe app password?
  • Tap on your Profile picture.
  • Click on the 'Change Password' option.
  • Enter your current password and then the new password.
What should I do if I forgot my Phonepe password?
  • Logout from Phonepe app from My Profile section.
  • Click on the "Forgot Password" option from the app login screen.
  • Enter your registered mobile number.
  • They will send a 5 digit reset code/OTP to your registered mobile number.
  • Enter this code in the app along with a new 4 digit app password.
What is Phonepe keyboard?
PhonePe keyboard is a secure keyboard that helps you access PhonePe quickly and easily. With this feature, you can use PhonePe whenever you are using the keypad for sending messages to someone or browsing the web.
With the PhonePe keyboard enabled, you can use it to:
  • Send money to your contacts.
  • Request money.
  • Check your bank balance.
  • Invite your friends to use PhonePe.
How to send money using PhonePe keyboard?
  • Click on the PhonePe icon on the keyboard.
  • Click on 'Send'.
  • Choose the contact whom you wish to send the money.
  • You will be redirected to the PhonePe app.
  • Enter the amount.
  • Enter your UPI PIN.
  • Click on 'Ok' to complete the transaction.
How to request money using PhonePe keyboard?
  • Click on the PhonePe icon on the keyboard.
  • Click on 'Request'
  • Enter the amount that you wish to request.
  • Share the unique link generated by PhonePe with your friend.
  • You friend can click on the link and send money to you.
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