BHIM app vs Paytm: The Government of India has recently introduced the BHIM (Bharat Interface for Money) app to promote the digital transactions. This app has become widely famous in India for its ease and security features. Millions of people have already downloaded this app and are using it for day to day activities. This is the UPI-based payment app that allows you transfer/receive funds, pay the bills, online debit of mobile/DTH etc.
BHIM App Vs Paytm – Features, Highlights, Speed, Ease of Usage & Security wise Analysis
Also, PayTm has the equal preference from the general public for its simplicity of use. Before the introduction of BHIM app people have used the Paytm app extensively. Paytm and BHIM Appa is having the same functionality. But people are investigating which is the better app? BHIM or Paytm? To solve the query from your side today we have come up with the complete analysis and information about both of these apps. So, if you go through this article you will get to know the conclusion for BHIM app vs Paytm: which is the better app?
BHIM app has the best interface among all E-wallets and UPI apps. BHIM developers have adopted nominal interface for this app. The shading blend they picked is incredible. The home screen of the app has three blue tiles for the choices on a white background. You can get to every one of its features from its home screen. The in-app card-like moves likewise look delightful.
Features & Highlights of BHIM App
BHIM app is chiefly an UPI app. It contains all the UPI administrations, such as sending and asking for cash. NPCI likewise wants to include unique fingerprint and Aadhaar based payments in BHIM. Right now, BHIM has beneath features
Filter and Pay
You can make payments by filtering Bharat QR codes. Making payments using BHIM app is as of now quick however Scan and Pay makes it much speedier and simpler. Paytm also has the alternative to filter QR codes to make payments. Yet, it can just output QR codes which are created by Paytm itself.
Ask for Money
BHIM app also has the alternative to demand cash. You can ask for cash to the individual who has initiated UPI in his/her account. This alternative winds up noticeably helpful when you need to obtain some cash from your companion.
Sending cash is the fundamental element of the BHIM app. You can send cash using recipient’s VPA (Virtual Payment Address) or portable number. NPCI has likewise presented sending cash using IFSC and account number with the last refresh.
Check account balance
BHIM app can similarly check your account balance. Simply include your account in BHIM and tap on the ‘Ask for Balance’. This alternative is put on the accounts page.
Produce QR Code
You can likewise produce your Bharat QR code using BHIM UPI app. Numerous UPI apps, such as SBI Pay don’t have this component. In spite Paytm has a comparable alternative, however, the QR codes created by Paytm work just with Paytm, However, the QR codes produced by BHIM app chip away at other UPI apps.
The interface of the Paytm is a tad bit scattered. In the event that you need to pay for a particular service in Paytm, you need to burrow around to discover the choice. It will require some investment to get used to with the interface of the Paytm. One thing I should state that the developers of the Paytm have figured out how to make the app lovely. Indeed, even in the wake of having an excessive number of options accounted, the interface looks eye-infectious. Paytm has used the symbols wonderfully.
Features & Highlights of PayTm App
Book inns, flights and motion picture tickets
Paytm likewise has choices to book inns, flights, film and prepare tickets. BHIM app does not have these choices. That is the reason BHIM is simple and quick.
Paytm gives an excessive number of cashback offers. Most cashback offers are just material to the payments using wallet cash. What’s more, I have as of now revealed to you that the cash you include or get in your Paytm wallet is not sheltered. Then again BHIM doesn’t give any cash back, However, you can participate in the fortunate grahak Yojana and Digidhan Vyapar Yojana by using the BHIM app. The government is giving day by day offering ₹1000 to 15,000 individuals under this plan.
Revive mobiles and DTH
Paytm is a versatile wallet app. Subsequently, it has some particular features, such as revive mobiles and DTH. You can likewise use it to pay power, water, gas and broadband bills.
You can make payments likewise with Paytm. In any case, these payments are constrained to Paytm clients. You cannot pay anybody If he/she is not using Paytm. Not everybody uses Paytm so this component is not as valuable as BHIM’s send cash highlight.
Speed and Ease of Usage
NPCI presents BHIM app as a less complex, secure and quick. The app truly has every one of these qualities. The fantastically composed interface makes it easy to use. You can make each of the payments in three or four stages from its home screen. The speed of the BHIM app is also extraordinary. The speed of BHIM App has tested, It took under 20 seconds from propelling the app to finish the payment.
Paytm’s jumbled interface make it somewhat harder to use than BHIM app. It has a variety of administrations, such as portable energize, debit payments and so forth. It brings about moderate speed too. What’s more, it took around 25 seconds to finish a payment without applying any promo code. I have used its wallet balance to payment. If I would have used debit/Visas, net managing an account or UPI, Paytm would have taken additional time.
The BHIM app has its own app password. You need to enter this password with a specific end goal to get to the app. Exchanges are likewise secured with UPI PIN. You can’t finish any exchange without UPI PIN. Thus, if you lose your mobile you don’t have to stress over the cash.
Paytm’s security, for the most part, depends on your mobile’s lock. The balance in your Paytm wallet is not protected. Paytm does not request any PIN or secret word when you pay using your wallet balance. Thus, anybody can make payments using Paytm balance. I firmly suggest setting a hard screen lock strategy on your mobile in the event that you use paytm.