Phonepe has good UI and also helpful for cashless transactions and there offers like 50% cashback on first transaction and more similar are genuine and paying as described helped me alot during the time when demonetisation was announced and helping till now. I suggest everyone for phonepe and even helped several local venders to use this app and they are happy to accept money thru phonepe. So it is recommended for everyone and must aware local sellers those using smartphone about accepting payments via phonepe.