Update : not reliable for scan and pay. It keeps loading after scanning. Was embarassing at restaurant while doing payment. I paid through different app. update : there was issue with my data pack and thanks for responding quickly. appricate it. the issues i face lot of time is in Bharat scan pay feature and whenever there is a sale on Flipkart/Amazon/Myntra i use bhim upi for payments, in those instances it definitely underperforms. please have a look at these scenarios.