Not better than phonePe. When your payment stuck it takes 2-3 days atleast to process the payment and this is really annoying😡. What else if there is an emergency situations.... Come on guys this is not the first time, I faced the same problem for several times. At least try fix it now. On other hand my experience with phonePe was even better at least it doesn't hold your money. Either it makes the transaction failed and returned the money else do the successful transfer.