BHIM app is an indigenous app for cash less transaction. It is a very good and reliable app for instant transaction.
merits
1.you can send money to beneficiary acoount by simply typing his registered mobile nuber ( If he has the bhim app too) .or if he has not the bhim app you may send money by typing the account number+ IFSC code.
2.It is very reliable app .If the transaction fails then mony will credited to your account suddenly
3.you can request money from your friends
4.you can check your accont balance at any time and any where
Demerits
1.maximum limit per transaction is 10000
2.maximum limit is 10000 per day also
3.you can not recharge your mobile, DTH, Broad band etc
4.You can not pay your electricity bill , water bills through this app alsoIt is the best app for money transfer in a small scale
If you want multi purpose payment app the go for phone pay , paytm etc