I am using Phonepe since last 1 year and I am fully satisfied with their services. Phonepe provides services like UPI Payment, Bank transfer, Credit card payments, Electricity bill payments, recharge, insurance, gas bills and many more. This app perform likes wonder, all in one app you don’t need to open another app for payment issue. Their customer services is also awesome, although they will say it will take 48 hours to resolve your problem ( you will hardly get any problem) but you will get your problem solve within 6 hours. If something goes wrong they will immediately transfer your refund. No need to go outside and pay your various bills you can just use phonepe. Now phonepe is used by various shops also, you can pay directly to them by just scanning their code so you also don’t need to carry much cash inside your wallet, just install phonepe and you are done. Moreover you will get some cash back on most off the transactions so you can also save money, apart from that phonepe also provides virtual gold which is very good for investor like me who don’t want to put their money in share market and also don’t want physical gold. Just purchase gold online and you are done. Whatever amount I received as a cash back I purchase virtual gold from phonepe. When you need that money just sell gold and you will received that amount immediately in your bank accounts. I have credit card and till due dates I almost forgot to pay the bills, but phonepe also reminds me to pay that bill, this is new feature introduce by phonepe. Whatever bill it is light bill or gas bill just through phonepe. Recently phonepe and coolwinks launched one offer that you will get 1500Rs cashback on purchase of glasses from coolwinks and made payments using phonepe ( note total order value should be equal to or greater than 1500Rs ) and this can be used for 2 times, so effectively I purchased 5 Glasses from coolwinks at effective price for 672Rs. What a deal.So in the end phonepe is great app for payment and recharge. You wilk never gets dissatisfied.