Phone pay is good mobile wallet. For first time UPI transaction they gave 150 rs cash back which can be transfered to bank account. For any new successfull referal with UPI transaction we get 50rs cash back from phone pay. App is fast, simple, and user friendly. Adding money to the wallet and withdrawing back to bank account is very simple. Bank transfer is free and its IMPS transfer so within 2minutes money reflects in bank account. UPI transactions are very easy and fast all we need to remember is the PIN. Flipkart transactions are very through phonepay. If we return the item to flipkart then money comes to phonepay wallet easily and can be transferef back to bank account. Mobile rechargr, bill payment, electricity bill is also easy and good cash back is given by phonepay. The app is stable, I never saw its hanging or displaying wrong amounts or false transactions. Currently I am using phone pay for flipkart, mobile prepaid recharge, electricity bill payment without Ny issue and phone pay made all these tasks very easy. Overall phonepay is very useful app and provides good service to customers.