I am regular using this app since it available on play store. It had many plus point which make this app better than any other. First the KYC process is fully online and just you need to verify your number with your bank account details and that sit. All done. Other app have many isse regarding KYC Paytm and Phone Pe take long process and paper work. Now let's talk about payment. When you pay from this app the payment is done quickly and Direct transfer to other user bank account. Same process when you receive money from anyone it directly deposit in to your bank account without deduct any fees or other charges. Sometimes it gave you reward coupon when you pay to any one and after scratching the coupon the Reward amount will be directly deposit into your bank account. Honestly till startup from now I had earn cash back Reward more than INR 200 from payment. Mostly I used this app for payment. Fully secure and fast payment method for cashless India. Thank You