Considering switching

Recently phonepe has been really slow, Idk if the issue is with their servers or what but it has been happening a lot for past few days even with good wifi / data on my phone and other phones too which i used.

What app should i switch to, Ive heard bhim gives good cashback but doesnt happen much after a certain period.

I want to stick to a signle app for a long time i dont prefer to switch often nor use multiple apps.

Rn im considering samsung pay, What should i do?