I am using all three Apps. Paytm or Phonepe or Google pay. I am using Phone Pe for checking my bank accounts balance, transferring money from one account to another with no time. I use Phone Pe for sending money to the gas agent, cable operator, etc. Previously it used to offer a lot of offers as cashback for bill payments. But at present, they stopped most of these cashbacks. But for its ease of using I frequently use this App. If the network is weak Paytm troubles in paying sometimes and also they don't give cash backs that easily. Google pay can also be used for bill payments, cash transactions to other accounts. All these payment apps more or less do the same things and according to our convenience, we use them. While using an app. mostly I see which app. is good for getting some cashback for a particular deal. At present I ammostly using Amazon Pay App. for bill payments.