I have been using BHIM for around 2 years now. This is one of the fastest and most secured application that one can use to pay directly from bank account. It also rewards it's users with cashback on referring a new user. BHIM is a trusted and reliable application. Once I had problem with my transaction and eventually I contacted the customer care from within the application, which helped me resolve my problem in minimal time. This application has helped me a lot by saving my ample of time and providing a substitute when there is no cash. I would personally recommend everyone to try out this app atleast once.