In these days most of the time we are doing payments by transferring our money to others waller or account, etc.
I had using this app from past 4 months. I sended money to my friend. Immediately my money was deducted from my account and I got your payment will be processing. I waited for 2 days still there was no response.
Now most of the mobile apps done interference with Bhim like paytm newly linked bhim interface, tez, phonepay, etc some other linked bhim application.
I seen similar situation in most of my friends wallet also.if you got payment was processing them most probably your money will be deducted.
Yiu should use when the server was responding quickly.
Hope my experience will helps when to use this kind of apps.