PhonePe is a fintech company offering a digital wallet and UPI-based payment app that enables instant money transfers, mobile and utility bill recharges, and a range of financial services. It operates across India, providing consumer payments, investments, insurance, lending, gold purchases, and merchant solutions through its app and partner networks. The company also offers business solutions like payment gateways, payment links, offline payments, and merchant lending to enable in-store and online commerce. PhonePe emphasizes secure, fast transactions and nationwide accessibility, with international exposure through select markets.