Which UPI app has more benefits?

Paytm UPI offers several benefits, including direct bank-to-bank transfers without needing wallet preloads. Users enjoy 24x7 access, zero transaction charges, and safe, secure payments. Unique features include recurring payments via Autopay and the ability to set up multiple UPI IDs for enhanced control. Additionally, it provides a rewarding experience with cashback and offers, instant refunds for failed transactions, and access to transaction history.