PhonePe vs PayPal: which UPI app to use
PhonePe replies to 92% of unhappy reviews on Google Play, PayPal to 2%. PayPal does not read your SMS; PhonePe does. Both can read your contacts. Over the last 90 days of reviews, PhonePe averages 3.43 and PayPal 2.05. The most serious complaint about PhonePe is "Nobody answers"; about PayPal, "none found".
| PhonePe | PayPal | |
|---|---|---|
| Most serious thing people report | Nobody answers (9 of 400) | none found |
| Does anyone answer complaints | 92% of low-star reviews · usually same day | 2% of low-star reviews |
| Rating in the last 90 days | 3.43 (down 1.00 on lifetime) | 2.05 (down 1.61 on lifetime) |
| Last updated | this month | this month |
| Reads your SMS | yes | no |
| Reads your contacts | yes | yes |
| Shows ads | yes | no |
| Numbers confirmed on a register | 0 of 1 | 0 of 1 |
| 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.