Top 12 Best Mobile Wallets to Make Online Payments 2019

Looking for the most popular mobile wallets to make online payments in 2019? Here’s the list of top 12 best mobile wallets for online payments.

The world is becoming fully digital. Not only businesses are going online but also the Government is taking new initiatives to bring more digitization with one being making the world cashless. Amid demonization, online mobile wallet apps and mobile payment systems became some of the most preferred ways of making transactions.

With the help of mobile wallet apps, anyone can easily pay bill payment not only at shopping malls but also to the local grocery guy.

There are plenty of mobile wallets available online which can be used for making online payments easily. All you have to do is add some cash in your mobile wallet apps using your Credit Cards or Debit Cards and you are good to go.

mobile wallets to make online payments

You can not only pay money to the shopkeepers using mobile wallet apps but also receive money from your friends very conveniently. The maximum limit of most of these mobile wallet apps is Rs. 20,000. However, if you have submitted your KYC documents then you can receive and transfer funds up to Rs. 1,00,000.

What is Mobile Wallet?

Basically, a mobile wallet is a secure way to carry your credit card or debit card information in a digital form on your mobile devices. Instead of using your physical plastic card to make purchases each time, mobile wallet provides you the option to pay with your smartphone, tablet, or smart watch.

Almost all popular and best Mobile Wallets are based on UPI commonly known as Unified Payment Interface. UPI has made it very easy to make transactions possible as you don’t have to add beneficiary account details to make a transaction.

If you want to make online payment and are planning to use mobile wallet app or online payment service then you can have a look at our list of mobile wallets 2019 to make online payments. You can use any of the mobile wallets for online payments which we have listed below.

How to Use Mobile Wallet Apps for Online Payments?

Using Mobile wallet apps is pretty simple. First of all, you have to select the mobile wallet app which you are planning to use. Once selected, register on that app and once registration is done login with your account details.

To add funds to your account, you can link your Credit Cards/Debit Card or even use net banking option. Once you have added funds, you are ready to make payments to merchants, shopping outlets or even do mobile recharges and any kind of online bill payment.

You are now having a digital wallet with you. All you need is a working internet connection and you are ready to make payment to anyone, do DTH recharges or even pay your electricity bills within seconds.

Top 12 Best Mobile Wallets to Make Online Payments

You can use all these best e-wallet not only to transfer funds or do shopping but also to do recharges, buy movie tickets or book bus tickets etc. In order to find out, what awesome features you are going to get in some of the best mobile wallet apps, you will have to go through next section of this article and check out the complete list of best mobile wallets of 2019:

(1) PayTM

PayTM is the most popular and best mobile wallet which you can use to make payments online, instant mobile recharge, bill payment, data card, DTH recharge, utility bill payment, metro card recharge and much more. It is one of the best ways to make online payment to merchants.


You can easily link your credit card/debit card or your bank account with your Paytm account. To make payments, you can simply scan the QR code and type the amount which you have to pay. The app is available for free for Windows Phone, Android, and iOS. You can follow these download links to get Paytm – Payments, Wallet & Recharges:

(2) Mobikwik

If you are looking for a secure mobile wallet to make online payments, you need to use Mobikwik Wallet. You can pay your electricity, water bill within seconds using Mobikwik. The interface of this app is user-friendly which makes it very easy for even a newbie to use it.


In short, Mobikwik Wallet is simple, fast, hassle free payment system which you can use to not only for making online payments but also for doing shopping and paying various online bills. Get it from here:

(3) FreeCharge

FreeCharge is another best mobile wallet. This mobile wallet is similar to PayTM wallet and Mobikwik as you can use it for making payments and doing online recharge for prepaid mobile, postpaid, data card, DTH, electricity bill payments, metro, gas bills & landline bill payments etc.


FreeCharge wallet is well known for offering exclusive rewards on each payment. It is a great option to consider if you are shopping from Snapdeal as you can get amazing discounts and deals. You can store your credit and debit card details in your Freecharge account to make faster payments.

(4) State Bank Buddy

State Bank Buddy mobile wallet comes with multi-language support. State Bank Buddy by SBI is one of the best mobile wallets available online which supports up to 13 different languages. With the help of this mobile wallet app, you can send money to your friends, ask for money, make bill payments, or book for movie tickets, flights, hotel, shop for your favorite merchandise and much more.

state bank buddy

If you are using a credit or debit card, you can link it with State Bank Buddy wallet. The app also supports reminders to pay the pending dues.

  • Download State Bank Buddy App for Android
  • Download State Bank Buddy App for iOS Devices

(5) PayZapp

PayZapp is launched by HDFC Bank and is a great mobile wallet application. Anyone can use this app even if they are not having an account with HDFC bank. Using HDFC Bank PayZapp wallet app, you can freely shop on your mobile, buy movie tickets, online music and groceries, compare and book flight tickets and hotels, shop online and get huge discounts at SmartBuy, transfer money to anyone in your contact list, pay online bills and recharge your mobile, DTH and data card etc.


Making payments is very easy with HDFC PayZapp as you can add your credit card/debit card. You can use this mobile wallet for online payments both on Android and iOS devices.

(6) ICICI Pockets

The next app which makes to our list of best mobile wallets 2019 is Pockets Digital Wallet which is launched by ICICI Bank. With the Pockets, you instantly get a free VISA card that can be used for shopping at any online websites and at retail stores even if you are not a ICICI Bank customer. You can do Unified Based payments using ICICI Pockets from anywhere you would like to.

pockets by icici bank

All you need is an internet connection to use this digital wallet app. Pockets by ICICI Bank is available for free for Android and iOS devices.

(7) Oxigen

Oxigen wallet was founded way bank in 2004 and is a great mobile wallet app. You can use this mobile wallet for making payments at shopping malls, restaurants etc. Recharge and pay bills, send money, buy gift cards, ask money, ask talk time, gift talk time etc. these are some of the most popular services offered by Oxigen Wallet app.

oxigen wallet

There are more than 35 million transactions done via Oxigen each month. Even, you can earn PAYBACK Points while you transact using the wallet & also redeem them as your “Wallet Balance“. Isn’t it cool?

(8) PayUMoney

Most of us already know that PayUmoney is a very popular Payment gateway provider for Website and App which simplify the online payments. If you want to go cashless then PayUMoney is also a very right choice for you. Use PayUmoney mobile app to Recharge online, Pay Bills and keep all your online spending organized in one place.


The app supports credit cards/debit cards of different banks. You simply have to add your credit cards/debit card as after that you can add funds in your PayUMoney account. You also get PayUMoney reward points for each transaction you do which you can later redeem for balance in your PayUMoney account.

  • Download PayUmoney App for Android
  • Download PayUmoney App for iOS Devices

(9) LIME

Launched by AXIS bank, Lime wallet is another mobile wallet app which helps in making online payments, paying bills and effectively managing your money on your smartphone. You can use Lime wallet app even if you are not having your account with Axis bank. The user-friendly interface makes it very easy for one to use the app and make payments.


With Lime you can also book movie tickets, do mobile recharges and much more. Lime is available only for Android devices and can be downloaded for free.

(10) PhonePe

PhonePe is another convenient way of making payments. The app is based on Unified Payment Interface and can be used for buying products from multiple e-commerce websites. If you shop a lot on Flipkart then you should use this app as you will get amazing discounts.


There are plenty of things you can do on the PhonePe app such as: Send and request money from your contacts, recharge any prepaid Mobile/Datacard/DTH connections, Pay for utilities such as electricity and gas bills, Get instant refunds and cashback into your PhonePe wallet and a lot more. PhonePe allows users to make transactions of up to 1 Lakh. You can use PhonePe on Android devices and iOS devices.

(11) Ola Money

Travel a lot via Ola? Use Ola Money wallet app. If you are using Ola as your everyday commute to the office then you should use Ola Money. Add funds in your Ola Money account to make payment for your trips. You can use your debit/credit card or even net banking to add funds in your Ola Money account. Ola Money can be used on several online shopping sites as well for making payments.

ola money

You can also send money to your friends using Ola Money app. The app is available for Android and iOS devices and can be downloaded for free.

(12) Airtel Money

Last but not the least is Airtel Money. With Airtel Money mobile app, you can do mobile recharges, shop online from the top E-commerce websites, make payments and even transfer funds to your friends account for free. The app also provides amazing discounts and coupon codes to people who like to shop online.

airtel money

You can make payments online with just a single tap.It offers some very new ways to pay with the Tap and Location. The app supports multiple platforms like Android, iOS and Windows Phone.

  • Download Airtel Money App for Android
  • Download Airtel Money App for iOS Devices


We hope, you found some amazing Digital Wallets or e-Wallet apps or Mobile Wallets to make online payments. These are the most popular and best mobile wallet apps in 2019. You can use any of these apps for making payments online and going cashless.

Please, feel free to let us know using the comments section below – Which mobile wallet app for Android or which online payment systems are you using right now? Did we miss any mobile wallets to make online payments 2019 which you are using on your smartphones and tablets?

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