Its a very good and swift app in terms of UPI transactions. Its very good where u need nt enter card number or account number to proceed any transaction while buying or making payment online. With facilities like paying bills and mobile recharge it gives an edge more than the bhim app available. It has tigh up with flipkart for cashbacks while offers being rolled out in flipkart which reduced its cashback as while it was launched it used to give good cashback but now it gives a max of rs.150 or 10%