I would like to say u that, as I used tez , it is a payement application by google for us, it always sends money within couple of seconds, it never dissapoints us, somewhat, if it stops, it is a server error of the respective bank snd not of the tez application, it also gives a refer and earn option, in which u will refer to ur frirnd u both will get 51rs directly in ur bank account, there is no any difficulty of wallets here, tez directly works on bank to bank, and no wallet’s between them, it is the best upi app ever I have used it also has a feature of scratch card on every transaction. Secret the scratch guard on transferring rupees 151 to any other user and Google Tez gives you a blue colour to scratch guard which contains Rupees 1 to Rupees 1 lakh I have old rupees 27 rupees 29 and much more I have also attached the screenshots with the review please see this it is a very good feature on this all total I have earned rupees 500 to 600 on transferring any other user on Tez app by scratching the cards at last I would like to tell you that if you have not used this application just use it and you will be its fan . What is the best payment app by Google. As no many number of companies have started their own UPS but Google is the fastest one I have ever used.