I am using Phone pe from September 2017 and I can say this a best wallet and app. And the great deal I got here in recharge and bill payment section also in first time upi transaction I received higher cashback comparing to other wallet.
I use upi in other wallet and promotion wallet but all of them The Phone Pe walet is most relevant and fast and it given me higher cashback. And one thing which I really really liked that is its coverage is very broad as a example I could electric bill payment in UPPPCL online only on this app other app received payment for few merchant biller but phone pe is broader than others.
And I have earned refferal bonus 350rs to made joning of friends .
Customer service is very good and instant. I have file a ticket in app to failed transaction then issue resolved in next day .
So I am very satisfied to use phonepe from sep to till the date.