印度(India)现在的目标是实现无现金化。在线支付方式已经增加，我们大多数人都在寻找安全可靠的方式。如果你也在寻找相同的东西，那么这篇文章就是给你的。移动钱包(Mobile Wallets)或数字钱包(Digital Wallets)或电子钱包应用程序(e-Wallet apps)可让您直接通过手机支付电费、手机充值、获取电影票以及做更多事情。通过将您的信用卡或借记卡(Debit Cards)或银行(Bank)账户与这些电子钱包应用程序相关联，您可以轻松地使用手机进行付款。
您通常可以通过网上(Internet)银行或信用卡(Credit)或借记卡(Debit Card)将钱存入这些数字钱包。在大多数这些电子钱包中， 未提交KYC文件的用户的限额(KYC)为 20,000 卢比(Rs 20,000)。如果您提交这些文件，限额将提高到 10 万卢比。
在继续之前，我们应该对UPI有所了解，它是构建最终用户应用程序的基础设施，以便他们可以使用它提供的功能。统一支付接口(Unified Payment Interface)或UPI是新的支付方式。使用UPI(UPI)应用程序发送和接收使用虚拟支付地址(Payment Address)( VPA ) 非常简单，无需添加收款人帐户详细信息、帐号和IFSC代码。每(Every)家银行都有自己的UPI应用程序，并确保您安装了银行的UPI应用程序，该应用程序允许您在任意两个银行账户之间发送和接收付款。
移动(Mobile)钱包进行在线支付
移动(Mobile)钱包使我们能够使用移动设备进行账单支付、移动充值、转账等等。使用手机上安装的电子钱包应用程序，您无需携带现金。在这篇文章中，我将列出在印度(India)下载 10 个移动钱包应用程序以进行在线支付。
1. 支付宝(1. PayTM)
PayTM是最好的支付数字钱包之一。它允许您添加您的Credit/Debit卡并将您的银行帐户链接到它。使用二维码轻松发送和接收付款。(Make)PayTM手机钱包可让您通过手机购买电影票、在线手机充值、支付电费等。它适用于Android、iOS和Windows Mobile Phone。
这篇文章将向您展示如何使用 Paytm进行在线支付和转账。
2. 摩比克(2. Mobikwik)
Mobikwik是另一个多功能且安全的应用程序，可让您使用手机号码付款或转账。它允许您在几秒钟内进行移动充值和支付账单。使用 Mobikwik(Use Mobikwik)手机钱包并以优惠的价格在线购买任何东西。Mobikwik手机钱包让账单支付、手机充值、购物等变得轻松。它适用于Android、iOS和Windows Phone。
3. 免费充电(3. FreeCharge)
FreeCharge电子钱包允许您添加信用卡和借记卡，从而轻松付款。它是发展最快的数字支付平台，可让您支付电费、手机和DTH充值等。使用 FreeCharge(Use FreeCharge)手机钱包，避免排长队。它使使用移动设备安全地进行在线和数字支付变得容易。FreeCharge适用于Android、iOS和Windows Phone。
4. 国家银行好友(4. State Bank Buddy)
(State Bank Buddy)印度(India)国家银行(State Bank)的State Bank Buddy是第一个以 13种印度(India)语言提供的India n 移动钱包。使用此汇款，要求提醒以清除会费，即时账单支付等从您的手机。State Bank Buddy移动钱包通过将您的信用卡或借记卡链接到它来帮助您做到这一点。它允许您将金额加载到您的钱包中并向电话簿上的联系人付款。它适用于Android和 iOS。
5. HDFC PayZapp
(PayZapp)HDFC Nabk的(HDFC Nabk)PayZapp可供所有银行的客户使用，您只需单击一下即可完成付款。通过添加信用卡或借记卡详细信息轻松付款。您的卡详细信息在银行是安全的，无需担心。PayZapp移动钱包对每笔交易进行三项安全检查。它适用于Android 和iOS。
6. ICICI 口袋(6. ICICI Pockets)
Pockets 应用程序是印度(India)第一个允许您带来基于 UPI 的付款(UPI-based payments)的移动钱包应用程序。ICICI开发了这款手机钱包，它可以帮助您在线支付。现在，您可以在任何地方购物、向任何人付款并轻松银行。它允许您转账、订票、进行手机充值等等。只需单击一下，即可向Pocket用户发送和接收付款。它适用于Android和iOS。
7. 石灰(7. LIME)
LIME由Axis Bank推出，为您提供支付、银行和购物设施。它适用于帐户和非帐户持有人。使用LIME(LIME)移动电子钱包支付购物账单、手机充值、购买电影票等。只需(Just)添加您的信用卡或借记卡详细信息，您就可以通过手机进行付款。它适用于Android。
8.电话Pe(8. PhonePe)
Flipkart Group Company的PhonePe 使用统一支付接口(Unified Payment Interface)。它使您可以安全地进行所有付款。您可以使用虚拟付款地址(Virtual Payment Address)进行银行间转账。由于它是一个UPI应用程序，因此无需添加收款人帐户的详细信息。当您在线购物时， PhonePe(PhonePe)手机钱包为您提供折扣和优惠券。您可以通过将手机钱包链接到您的银行账户来为您的手机钱包充值，并允许您最多进行 10 万卢比的交易。确保您在手机中安装此电子钱包并在线付款。它适用于Android。
9. 奥拉钱(9. Ola Money)
Ola Money允许您为所有日常需求付款。使用您的信用卡/借记卡或网上银行为 Ola Money(Ola Money)钱包充值。通过查看交易历史来跟踪您的交易。(Keep)使用这款手机钱包也可以轻松支付Ola和其他出租车费用。(Ola)Ola Money移动钱包可帮助您将钱转给您的朋友。它适用于Android和iOS。
10. Airtel Money
Airtel Money钱包由Airtel Payments Bank推出。使用此移动钱包(Make)付款，进行移动充值并将钱转给您的任何银行帐户的朋友。您可以在网上购物，享受很大的折扣和优惠券。Airtel Money支持银行和汇款服务。使用此电子钱包应用程序，您只需单击一下即可付款。它适用于Android、iOS 和Windows Mobile Phone。
2018 年 8 月 30 日更新(UPDATED Aug 30, 2018)：Airtel钱包(Wallet)已停产。相反，您现在可以使用Airtel UPI或BHIM应用程序来发送/接收资金。
Windows 10手机(Mobile Phone)用户可能想要查看Microsoft Wallet。它允许用户简单地点击(Tap)和支付(Pay)！您的 Windows Mobile Phone还有其他几个数字钱包。您可能也想看看它们。
阅读(Read)：什么是虚拟信用卡(What are Virtual Credit Cards)以及如何以及在哪里获得它们。
还有其他几个可用的，例如Oxigen、Jio等。目前(Currently)，工具广场(Tool Plazas)正在接受MobiKwik、Paytm、FreeCharge。FreeCharge可用于支付警察罚款(Police Fine)。Reliance Jio计划为其Jio Money Merchants计划引入 1000 万家商户。MobiKwik被IRCTC接受。Paytm支持机票。如果您和收款人拥有Paytm或MobiKwik安装应用程序后，您只需输入手机号码即可转账。您也可以直接向网上银行账户汇款。因此，请确保您检查了他们的所有功能，并仅从他们的官方应用商店直接下载您想要的功能。
这些是印度(India)一些用于在线支付的最佳移动钱包。我希望您发现这篇文章很有用并立即开始使用它们。想要选择吗？看看这些PayPal 替代品(PayPal alternatives)。
在您的手机中使用手机钱包可以帮助您实现无现金支付并通过您的手机进行支付。如果您已经在使用其中一个，请在评论中告诉我们您更喜欢哪一个以及为什么。(Using mobile wallets in your mobile helps you to go cashless and make payments from your mobile. If you are already using one, do let us know in the comments which one you prefer and why.)
阅读下一篇(Read next)：最佳比特币钱包(Best Bitcoin Wallets)。
List of best Mobile Wallets in India to Make Online Payments
India aims to become cashless now. The online mode of payments has been increased, and most of us are looking for safe and secure ways of doing it. If you are also looking for the same, then this article is for you. Mobile Wallets or Digital Wallets or e-Wallet apps allow you to pay electricity bills, mobile recharge, get movie tickets and do a lot more right from your mobile. By linking your Credit or Debit Cards or Bank accounts with these e-Wallet apps, you can easily make a payment using your mobile.
You can generally load money into these digital wallets via Internet banking or via your Credit or Debit Card. On most of these e-Wallets, there is a limit of Rs 20,000 for users who have not submitted their KYC documents If you submit these documents, the limit is raised to Rs 1.00 lakh.
Before we proceed, we should know a bit about UPI, which is the infrastructure on top of which end-user apps are built, so that they can use the features offered by it. Unified Payment Interface or UPI is the new mode of payment. Sending and receiving using the UPI app is simple using Virtual Payment Address (VPA) and there is no need to add the beneficiary account details, account number, and IFSC code. Every bank has it’s own UPI app and makes sure that you install the UPI app of your bank which allows you to send and receive payments between any two bank accounts.
Mobile Wallets to Make Online Payments
Mobile wallets allow us to make bill payments, mobile recharge, transfer funds and a lot more using mobile. With e-Wallet apps installed on your mobile, you are no need of carrying cash. In this post, I will list download 10 mobile wallet apps in India to make online payments.
1. PayTM
PayTM is one of the best digital wallets to make payments. It allows you to add your Credit/Debit cards and link your bank account to it. Make use of QR code to send and receive payments easily. PayTM mobile wallet allows you to buy movie tickets, online mobile recharge, pay electricity bills and more from your mobile. It is available for Android, iOS, and Windows Mobile Phone.
This post will show you how to use Paytm to make online payments & transfer money.
2. Mobikwik
Mobikwik is another versatile & secure app that allows you to pay or transfer money using the mobile number. It allows you to make mobile recharge and pay bills in seconds. Use Mobikwik mobile wallet and buy anything online with good discounts. Making bill payments, mobile recharge, shopping and more have become easy with Mobikwik mobile wallet. It is available for Android, iOS and Windows Phone.
3. FreeCharge
FreeCharge e-Wallet allows you to add credit and debit cards which make it easy to make payments. It is the fastest-growing digital payment platform allowing you to pay electricity bills, mobile, and DTH recharge and more. Use FreeCharge mobile wallet and avoid long queues. It makes it easy to make online and digital payments securely using mobile. FreeCharge is available for Android, iOS and Windows Phone.
4. State Bank Buddy
State Bank Buddy by State Bank of India is the first Indian mobile wallet available in 13 Indian languages. Using this sending money, asking reminders to clear dues, instant bill payments and more from your mobile. State Bank Buddy mobile wallet helps you to do so by linking your credit or debit cards to it. It allows you to load the amount into your wallet and make payments to your contacts on the phone book. It is available for Android and iOS.
5. HDFC PayZapp
PayZapp from HDFC Nabk is available to customers of all banks and allows you to make payments with just a single click. Make payments easily by adding credit or debit card details. Your card details are safe with the bank and no need to worry about that. PayZapp mobile wallet does three security checks for every transaction. It is available for Android and iOS.
6. ICICI Pockets
Pockets app is the first mobile wallet app in India that allows you to bring UPI-based payments. ICICI developed this mobile wallet, and it helps you to make payments online. Now you can shop anywhere, pay anyone and bank with ease. It allows you to transfer money, book tickets, do mobile recharge and more. With just a single click, sending and receiving payments to and from Pocket users. It is available for Android and iOS.
7. LIME
LIME is launched by Axis Bank providing your payments, banking, and shopping facilities. It is available for an account and non-account holders. Pay your shopping bills, mobile recharge, buy movie tickets and more using LIME mobile e-wallet. Just add your credit or debit card details, and you can make payments through your mobile. It is available for Android.
8. PhonePe
PhonePe from Flipkart Group Company works over Unified Payment Interface. It allows you to make all your payments securely. You can make bank to bank transfers using Virtual Payment Address. As it is a UPI app, there is no need to add details of the beneficiary account. PhonePe mobile wallet provides you discounts and coupons when you shop online. You can top up your mobile wallet by linking it to your bank account and allows you to transact a maximum of up to 1 lakh rupees. Make sure you install this e-wallet in your mobile and make payments online. It is available for Android.
9. Ola Money
Ola Money allows you to make payments for all your daily needs. Recharge Ola Money wallet using your credit/debit card or net banking. Keep track of your transactions by looking at transaction history. Paying for the Ola and other cabs also made easy using this mobile wallet. Ola Money mobile wallet helps you to transfer money to your friends. It is available for Android and iOS.
10. Airtel Money
Airtel Money wallet got launched by Airtel Payments Bank. Make payments, do mobile recharge and transfer money to your friends of any bank account using this mobile wallet. You can shop online with great discounts and coupons. Banking and remittance services are supported by Airtel Money. With this e-Wallet app, you can make payments with just a single click. It is available for Android, iOS and Windows Mobile Phone.
UPDATED Aug 30, 2018: Airtel Wallet has been discontinued. Instead, you can now use Airtel UPI or BHIM app to send/receive money.
Windows 10 Mobile Phone users may want to check out Microsoft Wallet. It allows users to simply Tap and Pay! There are several other Digital Wallets for your Windows Mobile Phone. You might want to take a look at them too.
Read: What are Virtual Credit Cards and how and where do you get them.
There are several others like Oxigen, Jio, etc, that are available. Currently, MobiKwik, Paytm, FreeCharge are being accepted at Tool Plazas. FreeCharge can be used for paying Police Fine challans. Reliance Jio plans to bring on board 10 million merchant establishments for its Jio Money Merchants plan. MobiKwik is accepted by IRCTC. Paytm supports flight tickets. If you and the recipient have Paytm or MobiKwik apps installed, you can transfer money by simply entering the mobile number. You can also send money directly to bank accounts online. So make sure that you check out all their features and download the ones you want directly from their official app store only.
These are some of the best mobile wallets in India to make online payments. I hope you find this post useful and start using them right now. Want options? Take a look at these PayPal alternatives.
Using mobile wallets in your mobile helps you to go cashless and make payments from your mobile. If you are already using one, do let us know in the comments which one you prefer and why.
Read next: Best Bitcoin Wallets.
