Financial Technology popularly known as FinTech is the buzzword in today’s financial Service sector. All financial services required by customers are being offered at Fingertip. Payments, lending, investments and insurance services are offered swiftly and rapidly to customers. No need to visit banks for loans, no need to use credit and debit cards for payments, no need to consult middlemen for insurance, no need to consult advisors for investment, all these services are offered to customers by online platforms and mobile applications. Digital revolution paved the way for emergence of Fintech. Today, in India FinTech adoption rate is 87% in the world against global average of 64%. FinTech even breaking the age barriers and is having customers across all ae groups. In Post pandemic world all are moved towards mobile wallets and digital payments. FinTech companies are aggressively expanding their business in India. Demographic dividend and technology adoption is key drivers for FinTech acceleration. Especially, FinTech payment apps are increasingly used by all age groups for payments and receipt of funds. Phone Pay, Google Pay, Paytm etc, have become part and parcel day today financial transactions of every individual, institution and companies. The market's largest segment will be Digital Payments with a total transaction value of ₹10,841.75bn in the year 2022. This research tries to explore the functionalities, existing practices and adoption of FinTech payment applications in India. Only Phone pay and Google pay has covered for study in this article.