PhonePe beats Google Pay again to become top UPI mobile app in December PhonePe beats Google Pay again to become top UPI mobile app in December PhonePe is the top UPI app again for the third month in the row after beating Google Pay, as per the latest NPCI data for December. advertisement PhonePe beats Google Pay to become top UPI mobile app in December HIGHLIGHTS The NPCI data shows top UPI apps in the country. PhonePe, Google Pay, Paytm, Amazon, and BHIM are among India's top UPI apps. PhonePe has surpassed Google Pay for the third consecutive month to dominate the Unified Payments Interface (UPI) market. The latest data from the National Payments Corporation of India (NPCI) for the month of December is out, and PhonePe has a good lead over Google Pay which was second on the list.