BHIM UPI for the win!!!

I believe that BHIM is the fastest and most seamless UPI app there is.

Had it not been for this red circled QR widget of PhonePe available right on the lock screen of iPhones, i would have switched to BHIM in a jiffy.

The app has no ads, no add-on sells, no crashes and the payment happens even before you know it!

It is truly a beautiful app, and can destroy any other UPI app (imo) in terms of speed and reliability.