Hi ,
The most easy and user friendy payment interface has been launched by Google LLP, Its called Google Pay.
The best features is it however you send some money like 150-500 to any Google Pay user both are get lucky scratch card. both are get upto 1000/-
You can pay monthly bill like mobile, Gas, Electic Bill, Water Bill, Tax then you get a scratch card.
Easy to access. user friendly. Smart UI design.
The most best things are referal program. its some time both r get 51, 101, 151, 201, 251 and this money you got direct your bank account.
many payment app has own wallet, then when ypu tramsfer wallet money to bank accout they cahrged but thanks google and google pay because its total connected your own bank account and rewards money direct deposit to bank account
overall good app. I recommeded to every one to use this app.