PhonePe vs. XPAY

Primary benefit is hassle-free payment to the merchant. You can purchase both online and offline without using cash to make the payment. Simply scan the QR code using the Phonepe app on your smartphone to make a payment into the merchant's account. And as said, its rewarding, you surely get a scratch card on every transaction that may either offer you cashback or a discount code for some vendor site shopping.

Incentivized

Xpay is perfect for a centralized location for all payments coming in. It also handles the security and ease to be incorporated by our IT team into the online portal. A vast array of different payment methods ensure all possible options are covered. You can then track what has been paid and now and send reminders.

Incentivized

• Payment status confirmation
• User details before the payment start
• Bills and Payment
• Reminders of the bills

Incentivized

• perfect for getting payment for invoices
• allows users to use card payments
• shows revenue real time

Incentivized

• Like GPay, you dont have the option for secure login using PIN or password.
• Sometimes your transaction gets stuck in between for long duration, so that's a technical bug with this app.
• if you are booking your travel tickets with PhonePe and in case you cancelled it. Then you wont get any refunds for that.

Incentivized

• could be more incorporable into accountancy software
• easier OFX exportation

Incentivized

In case of payment failed we check the payment on the our app its showing on our app then it will definitely come other wise it will be refund to the customer, Its a unique feature. None of the other app has this feature. Its very simple to use as compare to the other compititive apps.

Incentivized

Xpay could do with some more personalization features but is more cost effective. For example ability to add photos or videos to requests. Payment can be taken via ascend but accepts less payment types and is not as secure hence the replacement with Xpay. Xpay is a simplified version and easy to use and scale.

Incentivized

• PhonePe instantly fetches the complete bank information based on your verified number.
• You can even buy gold and invest in mutual funds via same app.
• There are lots of fake accounts on PhonePe so the company should allow legitimate account users only.

Incentivized

• Saves a tone of time
• Extra cost could be cheaper
• Possibly cuts time for payments as people can pay however they like

Incentivized