I am using phonepe for last two years and I am totally satisfied. Phonepe gives you cachback and coupons for various transactions. Money does not stuck and payment is instant. UPI is also supported and one can direct transfer money to someones’ bank account.
Costumers can invest money in mutual fund, buy gold, best returns fd and much more.
Facility of dth recharge, mobile prepaid postpaid recharge, tv, school, municipality bill in one click. Best application I have ever tried.