Still lagging and frame drops. For me UI looks ugly thn old version
Slice UPI is also is good option but again number base upi id
Last option is Gpay.
No ads and no number based upi id 
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When do these ads come? I donāt remember seeing any ads in any of the apps that I useā¦ Paytm, Google Pay, Cred (sometime back when they introduced UPI).
I feel PhonePe app interface is cluttered. So I donāt like to use it.
Hmmā¦ it seems Cred experience for you and me is very very different.
Also, I really have not encountered any Ads on Paytm while using the UPI services or even while booking train or movie tickets. Now if you are referring to the promotion of products that advertise on the platform, yes at times they do come up. But they are intrude on my user experience
I think this will helpā¦ I use this and it makes my life so easy.
So instead of going into the app and then opening the Scan & Pay, you can directly go into the Scan & Pay.
In Nova Launcher you need to go into Gestures and inputs > select a gesture > goto shortcuts> select the UPI app > select Scan & Pay.
This setup will make your payments so much faster and along the way you donāt have to watch any ads.
And still Phonepe is number 1 upi payment app in india. Like seriously
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Yes. I never understood that.
Is it the offers? Or the ease of usage? Or what is it? 
I too use cred for UPI payments. Eventhough cred do have some ads it is not as obstructive compared to phonepe and Paytm. We donāt notice itās an ad. I love gpay too. Clean and smooth (Wonāt do payments in it though 
)
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@Aswin_Benny any specific reason to stay away from Gpay?
They always give a scratch card just to say āBetter luck next time!ā 
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I would prefer that they not give those scratch cards. They just give hope and then take it away. 
I canāt login on Cred.
I donāt have credit cardā:triumph:
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I received a lot of cashbacks and rewards when Google Pay was initially launched as āTezā (former name of Gpay). 
If I remember correctly, there was an offer where sending an amount greater than 150 would earn you a scratch card, and most of the time, it had a bumper amount, often over 100.
Many of my students even received a cashback of 1000 during that period. 
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Golden period 
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In the past I had some failed payments in critical time.(thanks to oksbi handle, u did remove it).
I also felt gpay cc payments takes so much time. I donāt get offers too. So stopped it
Freecharge looks somwhat clean. I think it is supported by axis Bank.
Groww is also clean. I donāt use it that much.
I love payzapp. I can rely on it anytime. 
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My gpay cc UPI payment never worked for me so stopped using it 
In the beginning, I too had some issues with GPayās CC UPI, but nowadays, it works perfectly for me. 