PhonePe is best app for pay bill , recharges and money transfer. I use this app since 1 year . It is very usefull app mostly I use for pay electricity bills or money transfer . When transaction is failed it refund in 24 hour. Now this time it start cashback offer it give reward on pay bill and money transaction. It give skrecth card as a reward I get reward for every transaction. This app is very usefull for everyone.