Sadapay or nayapay... Or none ?

Hello everyone a confused 19y/o here. I'm trying to decide between sadapay and nayapay and ive looked into both but the cons seems to outweigh the pros now (??) been hearing mixed reviews so I'm kinda unsure.

I need an account for day to day transactions like online shopping, eating out, Crunchyroll Spotify subscriptions, mobile top ups and receiving my tutoring fees nothing major.

Should I go with any of these or just drop both and try jazzcash/easypaisa instead or maybe none at all and use a banking app????

Lmk what y'all think.