From the staring of Mobile apps and Internets, I personally like these type of apps or wallets and do not recommend to others. It is so because your bank accounts are may be insecure with this apps.
I personally for review use this app because my friends tell about it very much.
No, doubt it is a good app, I have no any issue with it when you are transferring money.It can easily work and no issue while using it.
It become very much popular during the note banned in India and I also used it very much.
But now there is every thing ok and you can use normal payment mode in everywhere and if you can use to pay bills and recharges then make a debit card and make payments from it, with the direct online websites . Use also direct at the malls and shopping shops . It is a good option then that.
Pay direct Money, stop using third party or intermediate .