I have installed this app after seeing so many ads in News Paper, Social sites, YouTube etc.But when I actually installed and used it I found this is a fraud app it is cheating to the customers, I loaded money to phone pay wallet to recharge my electricity bill of 1500, when I tried to recharge it got failed and money got deducted from my account and recharge was unsuccessful. When I tried to cobtact customer care they do not responded. After that I wrote mail on their email id, then I received replay after two days having said that your money would be credited to your account within 7 working days.They did fraud with me they blocked my money for 7 days.and after 7 days when I received money I was not able to transfer to my bank account because of unknown error.I really hate this wallet. Never download it.