It is a great upi app I have ever seen google Tez allows users to make small or big payments straight from their bank accounts for free no complicated things like a wallet or vault where your money resides, and later you need to transfer to the bank account.One more thing that we must talk about Tez is its compatibility. It will work on any device running Android 4.4 Kitkat or higher and also on iOS. No hardware like NFC chip or anything is required for using the Cash Mode in the app. Rather, it will let users send and receive money by using their bank account only. It is multilingual and it supports English and seven Indian languages ( Hindi, Bengali, Gujrati, Kannada, Marathi, Tamil, and Telugu) . Tez works in partnership with four Banks — Axis Bank, HDFC Bank, ICICI Bank, and State Bank of India ( SBI) to facilitate the processing of payments across over 50 UPI enabled banks. I have made a payment through tej to goibibo it deducted and payment was successfully so easily .