Hi I would tell you about phone pe app which is very first upi payment app after demonetization happens in 2016, The app works on upi platform, The company will provide tremendous offers like in present days there is full cash back offer in kfc , you will get 100% cashback when you pay 150 INR.other offers like in CCD offers , Recharge offers in jio, airtel if you recharge of rs 300 or more you will get 75 cashback, and if you share this app to your friend you will both get 75 INR, when your friend made transaction .Apart from this benefits you also provide payment mode from Flipkart and myntra wallet for online shopping .the flipkart will invest 255 crores more in its payment platform to get better services to the customer.