Concept of Phoenpe is very bad app it is copy of all other govt app like Bhim and it make also UPI transfer.
phonepe is giving the customer first transacation through UPI is 75 cashback if you have transaction of 150 rupees .
So that first time you will get but you will not I also not get 51/- . because I recharged at phonepe 51 and transaction falied and refund is not given yet.
So that I suggest It will the worst app I ever used.