What are the most secure UPI payment apps in India

One of the most secure UPI payment applications is BHIM (Bharat Interface for Money), developed by the National Payments Corporation of India (NPCI). UPI apps maintain security through features like PIN protection, strong encryption, and one-time password (OTP) verification. Furthermore, platforms like Paytm use application-level security infrastructure and offer instant fraud alerts, emphasizing user trust and protection through transaction security best practices.