Phone pay is the one of the best app I have used till date it is very easy and effiecient and time saving app all of you guys can use it easily it is a very simple app that to ve download from tje playstore guys u can do easy transactions from there and you can also invite your freinds too in 1 click only you are paying your mobile bills electricity bills etc you can refer your freinds too and promote them to use this app I have download and using since date you can also be the part of it and enjoy it thank you guys