These various UPI apps function on almost similar lines. The local connectivity n traffic determines the efficacy.
For example, despite using 5G in Hyderabad, ALL these UPI Apps function MUCH BETTER n FASTER in Tirupati (on only 4G).
I have tested PayTm, GooglePay, PhonePe, YesPayNext, GoKiwi, Airtel, FlipKart, Amazon, Bhim, Cred, BhimSBI, Kotak, IndusInd, NSDLjiffy n ShriramFinance....
So, DO NOT GO BY WHAT others say or have experienced in their places.
You test use a few Apps n then decide for yourself which suits n works better in your town/locality. Fractions of a second should not decide for you. Suitability n functionality n your own preference must be the deciding factors.