I have been using this application from 1 year. I make lots of transection using this application. I never faced any issues using this application. We can transfer money to friend, family, and booking of cinema ticket, traveles ticket etc by easy way also do online shoping and get cashback. From many plus point on of the best is many store have stared using services for ease for us an accepting payment so you can do payment with out cash ( cashless payment digital india) this is an Indian appliction so use all Indian & other. Thanks.