I am using this app since one month.It is proved to be as good as it’s name is.It has been designed by Google and uses the concept of Unified Payment Interface.Really, one can add any bank having registered mobile bumber to transfer and recieve money instantly.Needless to say, it is very fast and secure way to do money transactions.Also there are also other options to send money like via UPI, IFSC, Mobile number, or QR Code. Its user interface is very fast as till now I have sent and received money.One needs not remember account number because one has to select only bank account via registered mobile number.It takes no time to do transaction.