I am using Google Tej app last 3 month with very good experience. It can be used where UPI payments are accepted.Today tej used by vast majority of indian’s.It support many languages those make it very easy.Tej is currently accepted by many places like PVR cinema, redBus etc.Tej gives scratch card on every 150 ₹ or abobe payment is very intresting.The application does not require to share any personal information. This app does not work on rooted Android device . Google give ₹ 51 or more to refer this app with friends, relatives is good concept to join many members.