I have faced many problems in this app such as I am not able to send my money back to bank.Phonepe can mess up simple transfer using UPI and then make people wait days to see if money is returned or not.My mobile postpaid bill payment is not yet done.It still says sending payment request.Refer and earn is not working.I refered it to my friends and dont recive any money.it needs major improvements.paytm is far better