Good interface very less failure rate them any other upi app. You will find much more meechants with phone pay compared to any other upi. Feature rich and lots of functionality far more usable with respect to scnarios. Call it policy payment, recharge or whatever PhonePe can be used for it.Another advantage is PhonePe app is faster to launch and more amooth as compared to others.But the cashback and offers are quite less compared to other also its a bit more network senstive then others.