I am using this software.This is a money transfer applicaton without any charge.You can also pay bills like fresh menu, red bus, monthly payments and lots.Everytime you sen money you get a scratch card.There are several types of scratch card like sending amount of 150 or more you can get 0-1000 rs cashback and if you send money above 500 then there is a chance to win upto 1 lakh rupees.You can easily get 51 rupees by regfering a friend and after joining when your friend do his first transaction you and your friend both get 51 rs.