The app lets you use BHIM UPI-BHIM being another Indian mobile payment-and this is great for checking your account balances, beneficiaries, and such as this app is affiliated with other banks.Īdditionally, you can recharge your mobile and internet connection credits using the app. You can do the usual money-sending and requests from your contacts, and you can transfer funds via mobile numbers and bank accounts, too. Since PhonePe is a UPI-based mobile payment app, you can expect transactions to be secure. The app is basically licensed by the government but doesn’t rely on it for everything and is more of an independent e-commerce platform. As it is based on the Unified Payments Interface (UPI), which is an instant real-time payment system developed and approved by the banks of India, you can do banking transactions without much hassle. This online payment service was founded in 2015 as a private financial service business.
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