I am using phoe pay last 3 months . I found it is somewhat useful now .before some time ago many times transactions were failed .i also faced that issue many times . Now customer support is not worth praising . Upi transactions successful now you can easily transfer money to any other upi id or bank account you can also do many things recharge shoping via phonepay and get discount . They has a very good feature rs. 100, for every successful referal who makes first upi transacation I found it somewhat useful .