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Abstract: The use of cashless transaction system is increasing at a very fast rate. Day by day the numbers of users are moving towards cashless transaction by using mobile payment app instead of using now days the online payment apps users are increased dramatically and also the payment options have been spread in local market. The customers are highly beneficial and satisfied towards payment apps. Making online transactions is very convenient and time saving. People and retails business can pay online not only for shopping but also for different purposes as many different apps are available that offers many services to the users. The studies are focus on the use of PhonePe apps in Consumer & Retails business.