PhonePe is one of the biggest online wallet and payments application like paytm. Though it has no such features as paytm but it has best service. I always use this app for my mobile & dth recharge. It also has Upi which works very good. I use phonepe upi for the transactions while buying otders from flipcart and ebay. I have not yet face any problems of balance deduction and recharges are done very quickly through phonepe. I love the refer earn offer in it and it provides lots of offers related to prepaid recharge. After using this for around 1 year I frankly told that phonepe has less features like paytm but it has too good service then paytm and other platforms like it.