Google tez is best upi application it is used to transfered money from one bank account to another bank accounts by upi in tez application it has scratch cards every the best way while sending and receiving money on every transation we earn one scratch card one scratch we get upto 1000( thousand) rupees we use tez on pvr and uber and redbus and goibobo it has invite and earn option If we earn 51 for every referal