need suggestions about best UPI app

92°
Deal Newbie
Desidime User
Hy friends. Can you please share some details about best UPI app which has higher UPI success rate.  I want to use it for personal transaction not for cashback purpose.
Kindly share your opinion. Please don't suggest these apps. Phonepe , Google pay ,Paytm and bhim upi. Because some of them doesn't have good privacy like we can't edit our UPI id or some other issues. 


Thanks
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Spearhead Spearhead
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Kiwi app

Spearhead Spearhead
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according to my 5+ years experience phonpe and cred and third Flipkart super.money

Deal Subedar Deal Subedar
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would you mind shedding some light on how does Cred UPI reward? same like paytm (coupons & all) or does it give actual cashback/coins? 
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Commentator Commentator
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Paytm worked for me where phonepe, cred, super.money struggled with poor internet.

Deal Cadet Deal Cadet
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Paytm

Deal Cadet Deal Cadet
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Paytm

Commentator Commentator
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bhim

Wishlist Champion Wishlist Champion
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Which bank account you have?

Transaction gets fail because of Bank server issue 

If you can't change bank then start using UPI lite 

Deal Newbie Deal Newbie
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ICICI & axis. Currently using Navi UPI. Thanks for your suggestion about bank servers issue.
Deal Subedar Deal Subedar
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Would suggest to stay away from Paytm. After their doom by RBI, they seem to be having some issues. Both of my last UPI payments (1 to ICICI Bank holder & another to HDFC) got stuck midway. Had to follow up personally with both these banks. So much hassle. Won't be using Paytm anymore. 

Deal Newbie Deal Newbie
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Thanks

Deal Subedar Deal Subedar
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BHIM UPI Lite (with personalized/custom UPI ID to hide mobile number) with Highest Success Rate and faster than other apps as per my experience 

(I was using Paytm earlier but discontinued due to many transaction failure)

Deal Newbie Deal Newbie
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Thanks

Deal Cadet Deal Cadet
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Yes Pay Next

Deal Cadet Deal Cadet
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I've heard a lot of good things about Slice but have not used it. 

Others who have used it can chime in about their experiences

Commentator Commentator
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Navi upi

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