I am using this sience last five months. I have added lots of beneficiary with account no and IFSC code . But before few days I have lost beneficiary without any reason . Most of them are important one .Again some time high speed internet is available but still transaction get fail . They are just attracting customer by giving scratch card . But of time it’s showing better luck next time.Even it’s giving free and fast service the service should be proper because it’s related to banking sector.