need suggestions about best UPI app

Kiwi app

according to my 5+ years experience phonpe and cred and third Flipkart super.money

Paytm worked for me where phonepe, cred, super.money struggled with poor internet.

Paytm

Paytm

bhim

Which bank account you have?

Transaction gets fail because of Bank server issue 

If you can't change bank then start using UPI lite 

Would suggest to stay away from Paytm. After their doom by RBI, they seem to be having some issues. Both of my last UPI payments (1 to ICICI Bank holder & another to HDFC) got stuck midway. Had to follow up personally with both these banks. So much hassle. Won't be using Paytm anymore. 

BHIM UPI Lite (with personalized/custom UPI ID to hide mobile number) with Highest Success Rate and faster than other apps as per my experience 

(I was using Paytm earlier but discontinued due to many transaction failure)

Yes Pay Next

I've heard a lot of good things about Slice but have not used it. 

Others who have used it can chime in about their experiences

Navi upi