It has not been very long I started using phone pe app but I still like it, earlier I used to use Google pay and was satisfied with it but one of my friends sent me a referral to install phone pe, I did that but didn't use it. I had to order few items online and phone pe was an option to pay there, I chose phone pe over other payment methods as there was a good cashback offer on it, I used it for the first time then and since then I have been using it for money transfer and making payments to merchants. What I really like about this app is rewards in terms of cash back or other offers ( of course who does not love them) and also its quick process. It takes seconds to transfer funds or paying merchants from this app, convenient to use and user friendly.
I prefer this app over Google Pay and paytm and recommend this to others as well.