Comparing to now your are service are not up to the mark, bcz some time bank details are not working, but same will work in other merchant like phonepe or paytm. Also previously you are given some useful pay back, but now a days all the scarches are not help with me, comparing to that Better lock next time that scarch card is best for me. bcz both are the same. My personal think is pls maintain your standard. dont loose that Hope's.