Paytm vs Navi: which UPI app to use
Paytm replies to 97% of unhappy reviews on Google Play, Navi to 96%. Both can read your SMS. Both can read your contacts. The most serious complaint about Paytm is "Nobody answers"; about Navi, "Pushed into things".
| Paytm | Navi | |
|---|---|---|
| Most serious thing people report | Nobody answers (11 of 400) | Pushed into things (13 of 400) |
| Does anyone answer complaints | 97% of low-star reviews · usually same day | 96% of low-star reviews · usually same day |
| Rating in the last 90 days | 3.66 (down 1.02 on lifetime) | 3.70 (down 0.82 on lifetime) |
| Last updated | this month | this month |
| Reads your SMS | yes | yes |
| Reads your contacts | yes | yes |
| Shows ads | yes | yes |
| Numbers confirmed on a register | none published | none published |
| Charges we could source | not extracted yet | not extracted yet |
| Charges only in the terms | not extracted yet | not extracted yet |
How to read this
Every row comes from a public source: the app store listings, the reviews people left there, and the registers kept by RBI, SEBI and IRDAI. Where a row says "Not known", we have not measured it yet, which is different from the answer being no. Qrates takes no commission from either app.