I was using Google Tez app for transfer money via UPI. It is very usfull app. But main problem is that we have to try 2-3 time for trasaction untill transaction success. Some times money deducts from bank accout but do not reach to the person I want to transfer. Some times transaction fails but money deduct from bank account so we have to report to customer support which is also very slow. Procssing time is also very high. I have uploaded a screenshot.